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From Kimberly in MO

I can't believe how amazing you are-- this is nightmare paperwork --I would've NEVER been able to do this-- Thank You again so very much

 

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You rock!! Thanks so much for your help. I wasn't sure what to expect doing this myself but you have been great!!!

 

From Roger in MI

you did a SMASHING job of reading what I wrote and turning it into this very organized and beautifully written petition--Thank You

 

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File bankruptcy without an attorney in Hawaii HI, Idaho ID, Illinois IL, Indiana File Chapter 7 without attorneys IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri File bankruptcy without an attorney in MO, Montana MT, Nebraska NE, Do it yourself bankruptcy in Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma

 

File Chapter 7 without attorneys OK, Oregon OR, Pennsylvania PA, Rhode Island RI, South Carolina File bankruptcy without an attorney in SC, South Dakota SD, Tennessee TN, Texas TX, Do it yourself bankruptcy in Utah UT, File Chapter 7 without attorneys Vermont VT, Virginia VA, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY rent to own homes and houses for rent can be found in: Alabama AL: Gulf Shores, Birmingham, File Chapter 7 without attorneys Huntsville, Decatur, Florence, File bankruptcy without an attorney in Auburn, Tuskegee, Mobile, Montgomery, Dothan, Anniston, Tuscaloosa, Hoover, Dothan Alaska Do it yourself bankruptcy in AK: Anchorage, File Chapter 7 without attorneys Fairbanks, Juneau, Kodiak, Valdez Arizona File bankruptcy without an attorney in AZ: Flagstaff, Phoenix, Scottsdale, Tempe, Tucson, Yuma Arkansas Do it yourself bankruptcy in AR: Hot Springs, Little Rock, Eureka Springs, Fayetteville, Fort Smith, Jonesboro, Monroe California Do it yourself bankruptcy in CA: Anaheim, Beverly Hills, Burbank, Carmel, File Chapter 7 without attorneys Fresno, Hollywood, Modesto Vacaville Laguna Beach, Los Angeles, File bankruptcy without an attorney in Monterey, Newport Beach, Oakland, Palm Springs, Palo Alto, Pasadena, Redondo Beach, Sacramento, San Diego, File bankruptcy without an attorney in San Francisco, San Jose, Santa Barbara, Santa Cruz, Santa Monica, Carlsbad, Carmichael, Citrus Heights, Concord, Corona, Davis, El Cajon, Fairfield, Fremont, Hayward Huntington Beach, Irvine, File bankruptcy without an attorney in Long Beach, Modesto, Mountain View, North Hollywood, Oceanside, Rancho Cucamonga, Riverside, Roseville, San Leandro, San Mateo, Santa Ana, Santa Clara, File Chapter 7 without attorneys Santa Rosa, Sherman Oaks, Sunnyvale, Temecula, Tustin, Van Nuys, Vista Colorado CO: Aspen, Boulder, Colorado Springs, File Chapter 7 without attorneys Denver, Telluride, Vail Connecticut CT: File bankruptcy without an attorney in Hartford, New Haven Delaware DE: Dover, Wilmington Florida Do it yourself bankruptcy in FL: Boca Raton, Clearwater Beach, Daytona Beach, Destin, Fort Lauderdale, File bankruptcy without an attorney in Jacksonville, Key West, Miami, Naples, Orlando, Palm Beach, Panama City Beach, Pensacola, St. Petersburg, Sarasota, Tallahassee, Tampa, Apollo Beach, File Chapter 7 without attorneys Apopka, Beverly Hills, File bankruptcy without an attorney in Arbor Oaks at Boca Raton, Boca Raton, Bonita Springs, Bradenton, Cape Coral, Citrus Springs, File Chapter 7 without attorneys Clearwater, Clermont, Cocoa Beach, Davenport, Davie, Delray Beach, Doral, Estero, Fort Lauderdale, Fort Myers, Ft. 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Hawaii HI: Honolulu, Kauai, Maui, Oahu Idaho ID: Boise, Pocatello, Sun Valley Illinois IL: Champaign-Urbana, Chicago, Moline, Aurora, Rockford, Do it yourself bankruptcy in Naperville, Elgin, Joliet, Peoria, Springfield Indiana IN: Angola, Bloomington, Etna Green, Evansville, Fort Wayne, Indianapolis, South Bend, Terre Haute Iowa IA: Cedar Rapids, Des Moines, Iowa City Kansas KS: Kansas City, Topeka, Wichita Kentucky KY: Lexington, Louisville, Bowling Green, Campbellsville, File bankruptcy without an attorney in Danville, Elizabethtown, Frankfort, File Chapter 7 without attorneys Georgetown, Harrodsburg, Henderson, Hopkinsville, Mount Sterling, Owensboro Paducah, Prospect, Do it yourself bankruptcy in Radcliff, Winchester Louisiana LA: Baton Rouge, New Orleans, Shreveport Maine ME: Bangor, Kennebunkport, Portland Maryland File Chapter 7 without attorneys MD: Annapolis, Baltimore Massachusetts MA: Amherst, Boston, Cambridge, Springfield, File bankruptcy without an attorney in Worcester Michigan MI: Ann Arbor, Detroit, Kalamazoo, Lansing, Traverse City, Ypsilanti, Brighton, Battle Creek, Marshall, Albion, Bay City, Benton Harbor, File Chapter 7 without attorneys St. Joseph, Niles, Big Rapids, Cadillac, Livonia, Dearborn, Flint, Gaylord, Grayling, Houghton Lake, Petoskey, Grand Rapids, Wyoming, Kentwood, Holland, Grand Haven, File bankruptcy without an attorney in Houghton, Jackson, Portage, East Lansing, Marquette, Ishpeming, Midland, Monroe, Do it yourself bankruptcy in Mount Pleasant, Muskegon, Norton Shores, Royal Oak, Southfield, Troy, Warren, Birmingham, Rochester, Rochester Hills, Saginaw, Sault Ste Marie, Beaverton, Farmington Hills, Fenton, Fremont, Garden, Gladstone, Linden, File Chapter 7 without attorneys Livonia, Mears, Mount Morris, Ortonville, Oxford, Pontiac, Sandusky, Warren, Waterford Minnesota MN: Duluth, Mankato, Minneapolis, File bankruptcy without an attorney in St. Paul, Rochester Mississippi MS: Biloxi, Jackson Missouri MO: Branson, Kansas City, St. Louis Montana MT: Billings, Butte Nebraska NE: Lincoln, Omaha Nevada NV: Las Vegas, File Chapter 7 without attorneys Reno New Hampshire NH: Concord, Hanover, Manchester, Portsouth New Jersey NJ: Princeton, Newark, File bankruptcy without an attorney in Trenton New Mexico NM: Albuquerque, Las Cruces, Los Alamos, Santa Fe New York NY: Albany, Buffalo, Ithaca, New York City, Niagara Falls, Rochester, Syracuse North Carolina NC: Chapel Hill, Charlotte, Durham, Fayetteville, Greensboro, King, Raleigh, Winston-Salem North Dakota ND: Fargo, Grand Forks Ohio OH: Cincinnati, File bankruptcy without an attorney in Cleveland, Columbus, Dayton, Lima, Toledo, Wheeling Oklahoma OK: Oklahoma City, Tulsa Oregon OR: Ashland, Eugene, Portland, File Chapter 7 without attorneys Salem Pennsylvania PA: Bethlehem, Erie, Harrisburg, Hershey, Do it yourself bankruptcy in Philadelphia, Pittsburgh, Scranton, State College, York, Lancaster Rhode Island RI: Charleston, Newport, Providence South Carolina SC: Charleston, Columbia, Greenville, Myrtle Beach, Rock Hill, Augusta, Florence, File bankruptcy without an attorney in Sumter, Hilton Head Island, Spartanburg South Dakota SD: Pierre, Sioux Falls Tennessee TN: Chattanooga, File Chapter 7 without attorneys Gatlinburg, Knoxville, Memphis, Nashville, Pigeon Forge Texas Do it yourself bankruptcy in TX: Amarillo, Austin, College Station, Corpus Christi, Dallas/Ft. Worth, El Paso, Galveston, Houston, San Antonio Utah UT: Ogden, File Chapter 7 without attorneys Salt Lake City Vermont File bankruptcy without an attorney in VT: Burlington, Montpelier Virginia VA: Alexandria, Lynchburg, Norfolk, Richmond, Virginia Beach, Williamsburg Do it yourself bankruptcy in Washington File bankruptcy without an attorney in WA: Olympia, Seattle, Spokane, Tacoma West Virginia WV: Charleston, File Chapter 7 without attorneys Morgantown, Wheeling Wisconsin WI: Madison, Milwaukee Wyoming WY: Cody, Yellowstone

 

 

 

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On this page you will learn...

How to file Bankruptcy Without an Attorney

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When Bankruptcy Can be GOOD for Your Credit!

Costs of Bankruptcy?

What are our fees?

Why we charge so little

From Kimberly in MO

I can't believe how amazing you are-- this is nightmare paperwork --I would've NEVER been able to do this-- Thank You again so very much!

From Vivian in CA

Last Tuesday, I went for my appointment with the Creditors. After waiting for  approximately 35 minutes, the interview took only about 5 minutes. The Judge was very cordial. None of the Creditors were present. It was not stressful, as I had anticipated. There were many people there for the same reason as me, so that gave me a level of comfort to know that I am not alone in this critical financial situation. 

From Clarence in FL

My first and last meeting with the creditors went great!  (August 5, 2011). No creditors showed up to question me and my discharge papers are already on the way.  Having this out of the way and done is such a great feeling. Thanks, to all who helped.

From Roger in MI

you did a SMASHING job of reading what I wrote and turning it into this very organized and beautifully written petition--Thank You

From Chrissy in OH

You rock!! Thanks so much for your help. I wasn't sure what to expect doing this myself but you have been great!!!

Are you... or someone you know...

Having wages garnished? Being Sued? Pursued for Back Taxes? Hounded by Collectors?

Here's How to Stop It...  In It's Tracks!

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Our goal is to help.  If you want to do it on your own, we will provide what you need to it for free.  Please see... Free Bankruptcy Forms

The Truth is that Bankruptcy has it's Benefits and it's Drawbacks--

but whether it is the right decision for you depends on your particular situation...

We don't preach-- we teach.  Our goal is not to look out for the interests of the credit bureaus or creditors--

It is to provide the best possible information and service available for solving your issues.

The decision as to how to use this information is left to you.

Our Goal is Simple... We You to Get a Fresh Start

Note, we also will GIVE you the most effective credit restoration course in existence! see free credit restoration. 

We provide you with...

  • Online Bankruptcy Assistance

  • Free Consultation

  • We give you factual, comprehensive pros and cons of bankruptcy with an overview of bankruptcy procedures-- plus, true stories of it's true  affects and benefits.

  • If you choose, We even GIVE you the resources, (Free Forms and Manuals) that will allow you to file completely on your own.

  • Free! Comprehensive Credit Repair Manuals- see Free Credit Repair.  Once your debts have been discharged,  it's time to fix your credit!  At the conclusion of the process, we then send you the most comprehensive credit repair manuals in existence. 

WE MAKE THE PROCESS SIMPLE AND AFFORDABLE!   Our Motto is Simple...

A Solution You Can't Afford... Is Not a Solution!

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Crucial Bankruptcy Links and Free Information 

Free Bankruptcy Help Free Bankruptcy Forms Frequently asked Bankruptcy Questions FAQs Bankruptcy Mistakes to Avoid

If you choose to have professional assistance, we guarantee to provide you with the

very best service at  the very lowest fees, about one fourth of most attorney's fees.

 

WHAT DOES IT COST TO FILE BANKRUPTCY

The fees to the courts are usually about $299. 

If you qualify for a "Waiver of Court Fees" your court fees would be waived. (As part of our service, we prepare the "application for waiver of fees" free of charge.  If not granted, in most instances the court will allow you to pay their fees in 4 installments.

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Chapter 7-- 

Most Attorneys charge anywhere from $1,200 to $2,000, for a Chapter 7 (complete discharge of debts). 

 

Our Fees are ONLY  $295 and even that is broken up into 2  separate payments.

                           

Why Does Everyone Else Charges So Much?

Because they can...

There is a tendency in business to charge that which the market will bear.  Oil companies do it-- so do attorneys. 

Attorneys not only can charge... but can actually get, those exorbitant fees-- so they do.

 

Why Do We Charge So Little?...

Because We Want to Handle All Your Financial Needs...

We are much more than Bankruptcy Preparers.  We handle a myriad of services and issues, Bankruptcy, Taxes, Wills, Credit Repair, Home Sales, Home Loans, Financial Opportunities, etc... in fact, we are known as the No Down Home Purchase specialists see No Down Purchases helping people all across the US to buy homes with no down regardless of credit, hence our phone number...

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AS A COMPANY, CHARGING LESS, ACTUALLY CREATES MORE BUSINESS!

We know that by providing premium services at affordable prices in all that we do; we will be your company of choice for your future business and financial needs.  We don't want you just as a customer for today, we want you, your family, and friends as customers for life.

 

And quite frankly, as pertains to bankruptcy... because, we utilize the most up to date technologies and software, we can accomplish in 5 hours what it might take others 5 days to accomplish.

Remember, it is our goal to provide the options you need to solve your issues. 

If you need our services, we're here to help.  If you prefer to do it on your own, we'll help there, too. 

Have questions or need assistance?

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DO YOU WANT TO  FILE ON YOUR OWN?

We'll still help!  Click below for Free Forms and Bankruptcy Manuals

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WHAT WE PROVIDE

At The Solutions Network, we do more than prepare your bankruptcy petition.  We help prepare you for Life After Bankruptcy.  The Complete Bankruptcy Package gives you all of this...

  • Complete Bankruptcy Document Preparation so you can get a Financial Fresh Start-- We prepare all schedules, including the Federal Bankruptcy Petition plus, Schedules A, B, C, D, H, J, Statement of Financial Affairs, and the "Petition for Waiver of Fees", etc...

  • Tri-merged credit report-- we help you get a FREE Tri-merged report, so you don't miss creditors.  A complete record of all debts you owe, credit cards, car loans, real estate loans, collections, judgments, tax liens, school loans,  including balances, payment amounts, creditors names and their addresses-- Saves you hours in your debt investigation..  Remember, if they are not listed in your Bankruptcy, you still owe the debt!

  • Do It Your Self Credit Repair Kit-- see credit repair.  By utilizing the techniques that we include in these 2 Creditor Busting Ebooks you will be able to immediately begin to improve your credit rating and credit score, in spite of your bankruptcy.

  • Bankruptcy Information Packet--Comprehensive, but easy to understand information that shows how to maximize the benefits of your bankruptcy by not only eliminating debts, but in some cases, reducing the amount of debt remaining on that car or furniture on which you still owe money but want to keep.  In other words-- keep the car-- but get rid of half the debt.

The Truth is that Bankruptcy has it's Benefits and it's Drawbacks--

but whether it is the right decision for you depends on your particular situation...

For one family, Bankruptcy was the only way to achieve home ownership...  For another family, the failure to file, when truly necessary, almost cost them everything. To see how and why bankruptcy impacted these families' lives see "Scenarios 1 & 2" Below

 

Life After Bankruptcy

 

 In spite of an effective National Campaign by creditors, that fact is...

life after bankruptcy is not as difficult as often imagined or portrayed. 

    Even so, whether or not to file Bankruptcy is one of the most difficult decisions that a person makes in today’s society.  Good decisions require accurate information.  The things that cause people to come to a point in their life where Bankruptcy becomes something to even be considered are many varied.  But at this point, we are not going to talk about how we got to that place, but rather, what to do about it-- and to inform you of the true consequences.  We all know that bankruptcy is not a good thing.  It goes on your credit report and stays there for 10 to 12 years, and yes, for a year or two, if you apply for a loan, you will pay a higher interest rate.  There's no question, bankruptcy is not always the ideal solution, but it is often the best solution--  and as we'll see, it also is not an economic death sentence.

    Because creditors know that you can't file bankruptcy again for 8 years, they know they have plenty of time to collect any new debts that you may incur.  What this means is you can almost immediately, get the new financing on things that are important i.e. credit cards, auto loans.  You can even get a new FHA home loan, 2 years after your discharge.  Again, it's not ideal but it is in now way as bad as the financial industry would have you believe.

Crucial Bankruptcy Links and Information

Free Bankruptcy Help Free Bankruptcy Forms Frequently asked Bankruptcy Questions FAQs Bankruptcy Mistakes to Avoid

     Note: Recently, there has been a lot of discussion about credit improvement services.  Many companies are scams-- some are reputable.  Credit restoration has it's benefits and it's limitations.  Often times the effective dispute of derogatory credit can eliminate the need for bankruptcy and allow you to pursue objectives you may have that are almost impossible with the derogatories still on your credit file or with a recent bankruptcy.  For a comprehensive discussion of the benefits and limitations of credit restoration, click here.

 

Should You File Bankruptcy?

There is no magic formula that tells you whether bankruptcy is the best choice for you-- but here a few facts to consider.

You don't need bankruptcy protection now if...

You have nothing that a creditor with a judgment could take from you, in either assets or income: that is, if everything you have is exempt  under the laws of your state, including your source of income, you have nothing to lose to a creditor and no need for bankruptcy protection now.  However, it's important to realize that just because the creditor has nothing to attach, now, does not mean that the debt can’t come back to haunt you

 

Are your present circumstances a temporary financial glitch?

Will you in the near future be better off?  New job? Extra Income? Will you soon have your finances in place? 

If you file now, (while down in the dumps, so to speak), you will undoubtedly be able to keep everything and  pass the federally mandated means test (Don't worry, we handle that for you)--plus... As long as you don't incur new bad debts, within two years you will be almost blemish free with no outstanding collections, late pays, or judgments.  Your credit worthiness will then be determined by your, then current, income and the credit track record you create after the bankruptcy.  If you keep a clean slate, you will again be considered a good credit risk.

 

 

WHAT IF YOU DON'T FILE?

If you DON'T FILE, and your financial situation improves? Obviously getting back on your feet is great thing, but...  In Two Years you could be faced with this- You've weathered the storm and now have great income, living the American Dream, have newly acquired assets, Great Income, But Now...

Instead of a having two year old discharge, and no existing debts, re-established credit, (your situation if you had  filed),  you still have:

  • Collections and judgments-- but now that you have an income and something to take, your past creditors are coming after you! 

  • And Chapter 7 protection is out of the question because now that you are living the American Dream... You may make too much money to pass the means test!  You would now have to pay back old debts or face garnishments.

  • Want to buy a home?- the existence of the still owed collections and charge offs will in many cases prevent you from getting a home loan until they are paid, and at the very least will necessitate a higher interest rate and down payment.

  • If, on the other hand, you had filed, and your bankruptcy is one to two years old and all debt since then has been paid on time, you will again be considered a good credit risk and qualify for the best home loans available. 

I want to make something clear.  The above the above scenario, nor those that follow are in anyway intended to try to convince you that you should  or should not file bankruptcy.  That decision is absolutely yours and yours alone.  We just want to be certain that any decision you make is based on a complete understanding of facts and actual, rather than imagined consequences.

 

The Truth About Bankruptcy

The decision to file is intensely personal.  It is yours and yours alone.  Whatever, decision you make, be certain that is made with all the facts in hand.

What I am going to do here is not necessarily give you advice but rather elaborate on a couple of scenarios that we have had with clients while dealing with Bankruptcy, and credit related facts-- also, what I suggested that they do and the end result.  Of course, how you proceed and the decisions you make are yours and yours alone.  My goal is to simply help you proceed with a broader view of what bankruptcy is.  Hopefully, this article will give you more relevant, real life facts to help you make a fully informed decision-- See the following true life stories of past clients.

 

Inevitability.  Should You File Now?  or File Later?

Scenario 2

Is doing the Right Thing the Wrong Thing for Your Family?

Do you own a home and are in danger of losing it?  See our article regarding alternatives and possible solutions to Foreclosure  Remember, you rarely have to lose your home.  Even though, Bankruptcy should be a last resort, if all else fails, a Chapter 13 will almost always allow you to save your home.

 

 

SHOULD YOU FILE BANKRUPTCY NOW OR LATER?

I had a close personal friend who came to me wanting to buy a home.  During the loan process we found that he had absolutely impeccable credit. Unfortunately, his income was only slightly more than his outgo, (as in about $100 per month, and this was before food and utilities!), .   My first question to him was how are you managing to make all your payments on time.  I had never seen anyone so overloaded with debt while making their payments so flawlessly.  He informed me that he was effectively borrowing from Peter to pay Paul.  Borrow from one credit card to pay another, then open another credit account to pay the last...

    Under these circumstances, there was no way that he could qualify for a normal loan.  He only wanted around an $80,000 home, but even with the $8,000 down he was getting from a settlement, he could not qualify for a conventional low rate loan.  His expenses vs income was just too high.

    As I explained to him, with his income to debt ratios, he would never be able to buy a house.  At least, not with a fixed rate or reasonable down payment.  We were going to have to get creative.   I then explained to him that with his situation-- Namely,  the fact that every month he was going further and further into debt.   His minimum payments on the credit cards were getting larger and larger-- His income was staying relatively stagnant.  He was unquestionably spiraling into the need for a bankruptcy.  The only real question was would it be now or later?

 

     Here’s what we did.  We used his $8,000 insurance settlement for his down payment.  I persuaded the seller of the property to carry $12,000 for a term of 30 months.  Now, that we only needed a loan for $60,000 on an $80,000 home, We were able to get him a loan  secured by the property.  It was not a good loan, but a loan, nevertheless.  This loan was fixed at 6%, but for only two years.  After that it would adjust to about 12%, thus increasing my friends payment by about $300 per month over the original payment.  Generally, I wouldn’t negotiate this deal for my worst enemy, but we had a strategy that would insure that he would never have to pay that high interest rate.

 

NOTE:  If a person files Bankruptcy and then from the date of discharge, keeps any new or reaffirmed debts paid perfectly, for most lenders, in two years, they will be considered to again be a good credit risk.  We closed the deal, he now owned the home and he then immediately filed Bankruptcy.  So he discharged his unsecured debt, and reaffirmed his home and car loan. (i.e. continued to make payments on home and car).

NOTE: There are now loan programs that will allow you to get a home loan within 6 months after bankruptcy or even one day with a substantial down payment. 

See Home Loans

 

   At the end of two years, he had paid his remaining bills perfectly.  Additionally, because he had all of the unsecured debts discharged, his monthly obligations were reduced by about $600 per month.  He now had good credit and income to debt ratios that were reasonable, so he could now refinance his home and get rid of that first mortgage that was getting ready to go to 12%-- plus, because his home had appreciated, we could even pay off the $12,000 that he still owed the seller.  Because his finances were now in balance I was able to get him approved for a refinance to do the above at a fixed 6% interest rate loan.

Amazingly enough-- this was one of those rare situations in which the only way to

accomplish the goals of home ownership for himself and his family, was by filing Bankruptcy!

***********************************************************************************************************

 

 

IS DOING THE RIGHT THING, THE WRONG THING FOR YOUR FAMILY?

Doing the right thing is always admirable.  But it has been my experience that sometimes doing the right thing for the creditors is absolutely the wrong thing for your family... 

   

    I was recently contacted by a family that had been struggling with debt for 3 years.  Prior to the beginning of their problems they had both had very good jobs.  As with most of us, good jobs equal good lifestyle and lots of debt.  Their income was such that they were not overloaded in the least.... but then he lost his job, the family income was halved for about six months.  They had some 30 day lates, but nothing too serious.  He finally found other employment-- just about the time that she lost her job!...  Over the next three years, for both of them, employment was sporadic.  In their attempt to do the “right thing” i.e. keep their home, pay their bills, even if late...  they drained not only their savings, but raided their retirement accounts (Which you can almost always keep when you file Bankruptcy),  

 

To make matters worse, dipping into retirement accounts, carried early withdrawal penalties and extra tax liabilities, (we managed to avoid most of the penalties on an amended tax return), but the point is that they were financially drowning.  At all costs, they were determined to avoid bankruptcy.  They wanted to do the right thing and pay their creditors.  They continued their spiral and sporadic employment for three years.

 

    This was admirable and I respect them immensely for their integrity.  But now, they have nothing left.  Even their retirement is gone!  Their home was in foreclosure and to keep the home, for themselves and daughter, they finally decided to file a chapter 13 bankruptcy. 

 

If they had filed two years earlier, when the spiral was obviously out of control... 

They would now have good credit, they would still have their retirement, and they would be stress and debt free.  As it stood, we saved their home, but their retirement is forever lost and good credit is a thing that will elude them for another two years.

 In my opinion, the moral of the story is, if you can fix your finances, by all means, do so.  But please, for your and your families sake, make an honest and objective assessment of your ability to pull out of the financial morass.  If Bankruptcy is inevitable, do it now, not after your retirement is gone.

 

        Bankruptcy Preparation Request

Crucial Bankruptcy Links and Information

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