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Bankruptcy can affect your credit for up to 20
years, and can interfere with job applications,
mortgage applications and loan applications. Equally
important is the stress and emotional suffering that
comes with filing bankruptcy. Bankruptcy
should be a last resort, and we at The Bankruptcy
Avoidance Group, can offer you
bankruptcy alternatives, so you can avoid
bankruptcy.
To get
started, use our free confidential quoting service,
and learn if you too can
avoid filing bankruptcy.
Want to
learn more about how the Bankruptcy Avoidance Group
qualifies Debt Relief Service providers to help you
avoid bankruptcy? |
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Debt Management
Sometimes our visitors are not sure exactly what they are
looking for, or what their options are. If you are looking for
debt counseling their are typically two options available to
you: Debt Management and
Debt Settlement.
We have partnered with
Bankruptcy Avoidance Group, one of the industry leading
bankruptcy and debt avoidance networks. It's absolutely free to
submit your information and they will provide you with three
free quotes from their network of experienced and qualified debt
management and debt settlement professionals.
Learn about Debt Management
Objective: To help the client get out of debt (usually in a
period of 36-60 months) by taking advantage of creditor benefits
through monthly payments to creditors eventually leading to
payment in full.
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Pros: |
Cons: |
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Usually a much
lower interest rate, on a creditor by creditor basis, is
made available to the client. |
The payment
amount and time frame is longer than settlement in most
all cases. |
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In many cases,
if you are behind, your account may by re aged back to a
current status without having to make up any back payments
or late fees, after three or more consecutive on time
payments. |
This increased
financial pressure may not be feasible if the client does
not have the ability to use their cards. |
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Simplifies
things by giving one simple payment each month, and a
timeline to have your bills paid off. |
Not all
creditors may participate in the debt management program. |
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Also, the
program does not have a negative impact on your FICO
score. The monthly set-aside amount may be much more
affordable |
Debt Management
may be right for you if…
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You are current,
can make minimum payments on your cards and pay regular
monthly bills without using the cards, but can not get the
principal balances down because of high interest rates.
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You had an
emergency that caused you to fall behind, but can now afford
regular monthly payments and just need help getting back to a
current status.
What kind of loan are you looking for?
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