It works like this. First, we figure out which of your debts we can kill off using the power of the U.S Federal Bankruptcy laws.
Then, in getting ready to file your bankruptcy case, we have you immediately stop paying on those debts....but just long enough to get your case filed.
Important note: Not to worry. The minute we file your case, your creditors are put totally under control by order of the court. As a result, it immediately becomes illegal for them to call you, write you, email you, sue you, or anything else. GUARANTEED!
Then, the money you save by not paying on those debts, we use to pay for your bankruptcy filing.
Think about it. We use the money you save by not paying on those debts. We have you pay that money over to us, instead of the creditors. Think about it. Whose money is it really? Whose money are we using? You were going to send that money to your creditors. In effect, it's the creditors' money, and if you don't believe me, ask your creditors whose money they think it is. For sure, their answer will be: "That's our money."
And, if it's really the creditors' money, whose money is being used to pay for your bankruptcy filing. Answer: Your creditors' money. And this means that, in effect, your creditors are paying for your entire bankruptcy filing...LOCK, STOCK AND BARREL.
Can you understand why creditors hate bankruptcy, and why they work so hard to keep you from filing? Not only does bankruptcy kill off your obligation to them, but, in effect, they are also forced to pay for it.
Think about it. It's the same as if you paid the creditors, and then we got the money back from them, and then used it to pay for your bankruptcy filing.
The difference is that, doing it our way, where we have you pay us directly, instead of the creditors, we avoid the hassle of trying to get it back from those creditors.
Looked at this way, how much do you end up paying out of your "own" money, as opposed to the "creditor's" money? The answer: "NOTHING"...again, because you are using your creditors' money to pay for your entire bankruptcy filing.
People are always asking us this: "If your clients can't even pay all their bills, how do you get paid?"
Well, now you know the answer. And it's the same for every client of ours.
And, it would be the same for YOU.
We have you pay us instead of the creditors. That's how.
So, now you understand why we can say: "ALL of our clients get to file bankruptcy FOR FREE".
We get your creditors to pay for it.
That's how powerful the U.S. Federal Bankruptcy Laws really are.
And...as you will see below...getting your creditors to pay for your bankruptcy filing is just the beginning of the GOOD NEWS!
Does not paying your creditors make you feel guilty? Just checking. Why? Because, most people want to pay their bills, and because they feel bad when they don't. Likely, you are no different. I understand completely. That just means you're honest.
If you could pay ALL your bills, ALL the time, you would. No doubt. But, presumably, you are here because you can't pay ALL your bills, ALL the time, or because the writing is on the wall that it's just a matter of time before you can't. Think about it. You have tried everything you could think of to get the bills under control and you wouldn't be here if you didn't feel like you are caught between a "rock and a hard place". You are here because you need debt relief and because you know that "doing nothing, changes nothing" and you can't just go on like this.
So, here's a thought. Stop beating yourself up. It serves no good purpose. All it does is keep you from getting the help you and your family need.
And, know this: You are not alone, not by a long shot. We have helped over 72,343 families get the help they needed. That's what filing bankruptcy is for. Bankruptcy sets you free. And now, it's just your turn.
Besides, you know what happens when you start missing payments. Your creditors are never going to just give you a pass. Far from it. The collection calls alone will drive you insane.
Still feeling guilty? Then consider this. At this point in time, haven't your creditors been paid enough? In minimum payments alone, you have probably paid back 2 or 3 times what you owed in the first place.
Still feeling guilty? Then, know this. You can always go back later and pay your creditors. Did you know that? Bankruptcy puts the creditors under control, not you. After bankruptcy, you won't owe them, and it would be illegal for them to come after you for payment. But there is nothing that says you can't go back and pay them. So, let's do this. For now, let's get you out of debt and back on your feet. Then, later on, if you still feel guilty, and have extra money laying around, you can always go back and pay your creditors. In the meantime, you will have the full benefit of your "fresh start" and a second chance at life, without the stress, worry and sleepless nights.
Ok...ready to move on?
Like I indicated above, getting your creditors to pay for your bankruptcy filing is just the beginning of the GOOD NEWS!
In most, if not all, cases, the savings in not having to pay certain creditors is so big that...in effect... you get to "pocket" the difference, that is, the difference above what we need to get your case filed.
An example will help. Say, for example, you are paying out $500 a month on credit cards, medical bills, unsecured loans, and other bills that bankruptcy can kill off. And, let's say, you want to file a Chapter 7 bankruptcy case. In this type of case, we have you pay us that $500 per month, instead of the creditors, but only long enough to get your case filed. After your case is filed, your obligation to pay on those debts is "gone" by reason of the Federal Bankruptcy Laws. It's true. That's just how these laws work. Since the obligations is now "gone", so is your obligation to pay the $500 per month. Having already paid for the filing of your bankruptcy case, there is no one you have to pay $500 a month to. The result: You get to keep, or so to speak, "pocket" that $500 per month, that month, the next month, and every month thereafter.
That's huge. And, in our example, at $500 per month times 12 months; that puts $6,000 a year back in your pocket. How cool is that?
And, all this does not even take into account the tremendous relief you get from stress and worry and sleepless nights. How sweet is that?
This is how it works for every one of our clients.
Another example: This time we will talk about the other option: Chapter 13. Let's say you are paying out $500 a month on bills that bankruptcy can kill off. And. let's say you qualify (and lots of clients do) for our $0 Money Down program . Being $0 Money Down, there is no money you need to pay "up front" to get your case filed. Now, unlike Chapter 7, there is what is called a "Chapter 13 Payment Plan". And, let's say your Chapter 13 plan payment is $150 per month. In this type of case, you still get to "pocket" the difference. Let me explain. After your Chapter 13 case is filed, just like in our Chapter 7 example, your obligation to pay $500 per month is "gone", replaced by the $150 per month plan payment. The result: Starting right then, and for every month thereafter, you get to "pocket" the difference between $500 per month and $150 per month. Just to be clear, the difference is $350 per month, which is the $500 per month, minus $150 per month. That's $350 per month left in your pocket, that month and every month thereafter simply because you filed bankruptcy. Money you can immediately keep in your pocket the moment your bankruptcy case gets filed. Money that can be used for other things like taking care of your family, or whatever you want to use it for. That's a lot of money, That's $350 per month, and $350 per month times 12 months is $4,200 per year. $4,200 more in your pocket by simply filing bankruptcy.
Important note: Whether Chapter 7 or Chapter 13 is best for you depends upon your particular financial situation.
But, there's more: At the end of your bankruptcy case, just like at the end of a car loan, you get to stop paying the $150 per month, and therafter, get to keep that money in your pocket too, taking that $350 per month up to $500 per month, just like in our Chapter 7 example.
And, again, this does not even take into account all the relief you get and the "fresh start" you and your family get to enjoy.
And it all happens because this is how the United State Federal Bankruptcy Laws work...laws designed and created to make sure you get the "second chance" you need and the "fresh start" that, under the law, you deserve.
That money you get to "pocket" every month?
We like to call it "blowback cash".
File bankruptcy and all that cash comes blowing back at you,.
If you have to have something "blow back" at you...let it be cash!
....not only do you get to "pocket" the difference, but, as soon as your bankruptcy case is filed, ALL your creditors are put completely under control by order of the court. Let me explain. As soon as your case is filed, the Bankruptcy Court automatically issues a court order that makes it illegal for your creditors to call you, write you, email you, sue you or take any action against you directly. Basically, after you file, your creditors have to leave you alone, all simply because you filed bankruptcy. How cool is that?
At its core...under Federal law...filing bankruptcy gets rid of debt.
It gets rid of debt because that's just how the Federal Bankruptcy Laws work.
Under these Federal laws, your obligation to pay certain debts is "forgiven".
Did you know that?
And, there is nothing temporary about it. The debts are 'forgiven"...FOR GOOD, FINALLY AND FOREVER....AS IF THOSE DEBTS NEVER EXISTED.
And with those debts "forgiven", there are no more payments to make on those debts.....NOW OR EVER AGAIN.
And because there are no more payments to make, that's why you get to keep all those "would-have-been" payments in your pocket.
Money in your pocket you can immediately start using for other, more important things, like taking better care of your family, going out to eat, vacations, buying things...whatever you want,
...all because, under the Federal Bankrutpcy Laws, those debts were "forgiven".
I think of it as "magic" because this is the only way I have come up with to get across to good, hard-working folks...like you...just how powerful the bankruptcy laws really are. It's like a great big secret right out in the open...that nobody notices.
Very simply...it works like this.
Now you owe...you make the wish to be "debt free"...your bankruptcy case gets filed...
...and POOF!...now you don't owe. (See*below)
Seems like magic to me!
But...nothing happens until you "make a wish"...so to speak.
Want to be "debt free"?
Then...like I said...in almost all situations...the credit card debts are gone...gone...gone...like as if those debts never existed.
And not just credit cards. You can also get rid of...finally...for good...and forever...medical bills, certain other unsecured debts, debts on cars, trucks, and houses you cannot afford and want to get rid of, past income taxes, and more. All these debts...when gone...can really add up to a lot of extra money back in your pocket.
For now...to keep it simple...we'll stick with our example and confine the discussion to credit cards payments.
To continue...for the record...I am not kidding, fooling around, or exaggerating...not a bit...not even slightly...when I tell you that filing bankruptcy...in almost all cases...gets rid of credit card debt and many other debts...fully, finally, for good and forever.
Want to know the truth?
If you are like most people, all you have ever heard about bankruptcy is that it is bad.
But, let me ask you this.
Where else...in the world...can you get rid of a bunch of debt with basically just the stroke of a pen?
Well, that's how bankruptcy works. We prepare the paperwork. You sign it. We file it with the court and you are on you way out of debt.
Tell me that's not cool...especially if you have more bills than you can pay...and no real prospect of that ending any time soon.
Tell me that's not better for you and your family than slaving away the rest of your life to pay a bunch of bills that are doing nothing but sucking the life out of you.
And I should know. I have helped over 70,343 families get free from the burden of debt.
Chances are we can help you too...but you have to get in here.
And you should, because one thing's for sure.
If you do nothing...LIFE WILL PASS YOU BY.
Don't want life to pass you by?
Call us. The quicker you call, the quicker we can get started.
Is it time to make that "wish"...and get your bankruptcy filed FOR FREE?
If so...listen up.
If you are interested...or if you just want to find out more about how this whole bankruptcy thing works and what it can do for you...we can help. And...you can find out...also FOR FREE.
We offer a totally confidential, no-strings-attached, no-pressure, in-depth FREE ANALYSIS of your entire financial situation. GUARANTEED!
You can set up your FREE ANALYSIS today. In a couple of easy steps, you will have the answers you need.
Just click on this button:
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