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Most
viewers of this page will not have the best
credit, if they have any credit at all! That's
why you're here and we have some great news
for you.
You
might be thinking that you don't need credit.
Have you every called the phone company to
order service? Every wonder what they are
doing when they take your order and then put
you on hold? You would be surprised!
One
of the largest credit reporting companies in
the USA sold all of it's credit history on
most people to utility companies.
Now!
Haven't you ever wonder why the utility
company wants to know your Mothers maiden
name? Are you thinking that they are just real
friendly?
They
are verifying that you are who you say you
are, and they are making sure that you have
paid all of your past utility bills with all
similar companies.
Is
that important information? No! Not really! It
is meant to inform you that your credit
history will be with you forever, even if you
don't have a credit card. It's important to
know how people are using this information, as
this information can effect your life in many
ways.
When
you file Bankruptcy using Federal Laws, does
that hurt your credit?
Well! Chances are your
credit is hurt pretty bad to begin with. And,
if you do nothing, your credit history will
continue to get worse, not better. When you
use Federal Laws, it stops the aging process.
By that we mean that those bills that are 5
months old, or 3 months old, or more, will
never age after the paperwork has been filed
with the courts. How does this affect you?
Stopping the aging process means that your
credit report will not show a longer and
longer history
of delinquency. So! In that sense, you can put
a stop to the aging of bills. That's good!
Of
course! It's better to repay everyone as
originally agreed, but not everyone can do
that and we are here to help those that just
can't!
Let's
say that you are thinking about getting rid of
all your bills using Bankruptcy. Does that
mean that you will never have credit again?
No! Not at all! Once we have filed your
paperwork...using Chapter 7 Bankruptcy as an
example...and have completed the process,
which is approx. 90 days, you can get new
credit quickly, if you want it.
Just
keep in mind one important thing: The
first step in rebuilding credit is to get
rid of some debt. Getting rid of debt
tells a creditor the obvious. With
less debt on you, your income is more freed
up and that means you can afford more new
credit. The creditors all know this
and that's why, after a bankruptcy, more and
more creditors want your business.
Let's
say that you need a car for getting back and
forth to work. Your newspaper is full of car
dealers who want your business. Why...you
might ask...would a car dealer want your
business after you file a Bankruptcy that gets
rid of your bills and financial obligations?
First! The car dealer knows that you now, have
NO Bills, except living expenses! You're out
of debt...at least with respect to all those
credit cards, personal loans and medical
bills...and you most likely
will not be in this situation again for some
time. Second! He's in business to make money,
as we all know. Sure! He's going to charge you
a little extra to get you financing and a
little more on your down payment...wouldn't
you...if you were him. It's a small price to
pay to get what you want..... and to start
establishing new credit immediately. Third! If
you don't pay him, he knows he can just repo
the car and sell it again.... and make even
more money.
Why
wouldn't this guy be anxious to put you right
into a nice car? Just open your newspaper and
look at the car dealer ads. What you will see
is ads that say things like: "Bankruptcy
- No Problem". When you use Federal Laws
to consolidate your bills under Chapter 13,
it's a different story. The car dealer knows
that until your Chapter 13 case is complete,
you are on a budget and that most of your
spare money is going to repay at least some
small part of your old bills. He also knows
that if you don't make your monthly Chapter 13
payment, your case will get dismissed, and
then every bill collector that you owe money
to can jump on you all over again..... and
that makes you a real risk in his book.
Still...there are car dealers here and there
that will sell you a car...even in Chapter
13....but sometimes.....you may need a
co-signer.
People
in Chapter 13 bankruptcy cases can start
credit again too...but in most cases...they must wait
until they complete their Chapter 13
cases....the time when...as with Chapter
7...all their remaining unsecured debts will be discharged.
But even
Chapter 13 can help you rebuild your credit,
because the first step in rebuilding credit
is to get rid of some debt, especially debt
you simply cannot pay. And these
days...under the new "improved" bankruptcy
law...Chapter 13 can work as well as Chapter
7. It just takes a little longer.
We
discuss all of this...and more... with you
when you come in for your first FREE
Confidential visit.
You
can go a long way toward protecting your
family, your job, your reputation, and your
future credit....but only if you get good,
sound legal advice....before things gets
worse.
There
are numerous ways to deal with debts and we
can't go over the various options here, but
rest assured that answers to your debt
questions are only a FREE Debt Consultation
away.
But,
just to give you a taste of what we can do,
one of the ways we can help is with one of
our new $99/month Debt Buster bill
consolidation plans.
Want to
pay your bills? Of course.
Everyone does. But wouldn't it be nice
to only have to pay what you can afford?
Paying what you can afford is all you can
pay anyway, right? And, wouldn't it be
nice to make the creditors settle for what
you can afford? It's what you've been
asking them for, right? And, now you
have a chance to do just that. What a
change a Debt Buster plan can make.
Finally, you get to tell the creditors what
to do, rather than the other way around.
Finally, you get to be in control.
Finally, you have a second chance for a
"fresh start", a second chance to start
over, a second chance at "life, liberty and
the pursuit of happiness." It's pay
what you can afford and be done with it.
If you
qualify for a Debt Buster plan, that's
exactly the result you can achieve.
That's how our new Debt Buster plans were
designed. It's still bankruptcy, but
it's a brand new type of plan made possible
by the new bankruptcy law. Yeh, that
new, big, bad bankruptcy law. Turns
out, it ain't that bad. In some ways,
like with our Debt Buster plans, it actually
improved your rights.
The
quicker you get answers, the quicker you can
start re-building your credit.
And
remember this....The first step in re-building
your credit is to get rid of some debt.
Whether it's Chapter 7 or a Debt Buster
plan, there's help to get you out of debt,
rebuild credit and get back on your feet.
But, the first step is yours. You have to
want the help.
The
second step is the call. Are you ready
to at least find out about the help that
only bankruptcy can provide.
Then, call
today to set up your totally FREE Debt
Consultation!
We can help! Call toll free
1-800-899-1414.
Some call it "Filing for Bankruptcy".
We like to think of it as
"Filing for
Liberty", the liberty
you need to get your life back.
Want more information?
Want to learn more about our new $99/month Debt Buster
plans.(Click here)
Want to find out how to re-build credit after bankruptcy?
Click on the following:
Ten (10) Tips for Re-building Credit.
Want more information about credit?
(Click on the following topics of interest)
There is life after bankruptcy!
It's true.
Here's Proof. See "Real
Clients/Real Results" for actual results
achieved for Ten (10) of our clients.
In addition, find out what these clients had
to say about bankruptcy and what it meant
for their lives.
(Click Here)
Want more information about Bankruptcy:
What It Means and How It Feels?
See "57
Topics In One Place".
(Click Here)
Want Good Credit?
Think
Bankruptcy!
Why? Find out more.
(Click Here)
Want to set up a FREE Consultation?
Just
call toll free:
1-800-899-1414
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