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Nations Leading Bankruptcy Alternative:

Every year millions of consumers and small businesses face serious financial situations and many times bankruptcy looks to be their only alternative. Fortunately, many people are finding out that they can qualify for a debt reduction which can help them avoid a potential bankruptcy without the need for a high interest, risky loan.

How Does Debt Negotiation Work?
Debt Negotiation is a solution only for consumers who have a financial hardship, meaning an unexpected event has created a loss of income so severe that they are unable to pay their bills. Most consumers who are not able to pay their bills for an extended period of time will consider or think filing for bankruptcy is their only option. If an individual files bankruptcy they ruin their credit worthiness and the creditor may lose all the money due to them. This is a LOSE LOSE result.

Instead of filing for bankruptcy a debt negotiation process is used by a debt relief provider to reduce and pay off your debts. The Negotiation service evaluates your financial condition and hardship to see if you are a qualified debt negotiation candidate, this evaluation and consultation is free. The debt negotiation service will then negotiate with your creditors to reduce your debts. The negotiation is based on the fact that you would like to pay your debts in full, however due to your legitimate financial hardship which they can prove, you are not able to. In these cases the creditor would like to recover at least a portion of the debt rather than have you file for bankruptcy and potentially get nothing. In this solution the creditor recovers at least a portion of the debt without having to resort to bankruptcy court, collections or attorneys, and you can become debt free for a fraction of what you currently owe. This is a win win solution.

That is REAL DEBT RELIEF!

Find out if your financial situation can qualify for a debt reduction. If you have over $10,000 in unsecured debts, like credit card debt, medical bills, signature loans, dept. store cards and so on; send in the qualification request below. You can find out immediately if you qualify for a significant debt reduction without cost or obligation.
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Chapter 7 11 13 is a referal service that puts you in touch with companies offering services you are interested in receiving quotes and consultations from. Chapter 7 11 13 is not an end provider of debt relief services nor are we part of any agreement or contract of services you may commit to with a debt relief company.

The content provided on Chapter-7-11-13.net is a general description of services. Actual benefits, costs and features of services will vary from company to company. It is up to you, the consumer to consult with the service provider and any professional you deem appropriate to educate yourself on all the details of their program before making any decision.

By completing a form on this website you are requesting a service to contact you, in most cases by telephone, regardless of your status on the do not call list (DNC). Forms on this website are for information requests only, mainly for quotes, they are never an application or pre-qualification for services. Chapter 7 11 13 evaluates carefully the service providers we put you in touch with, however we do not endorse nor are we responsible for the actions taken or services provided by any particular company that may be found by using the Chapter-7-11-13.net website.

Chapter 7 11 13 is not providing legal, financial, investing or any other professional advice. Although we believe the content on this website to be acurrate it is general in nature and does not fully describe the complex details of every debt situation or program you may decide to use. It is recommended that you always contact a professional in the appropriate field for advice before making any decision.

In no case should you, the visitor, believe that there is any gaurantee that a you will not have to file bankruptcy now or in the future. This type of claim is not possible since bankruptcy is YOUR decision. * Up to 60% Debt reductions shown are real examples of some of the higher potential debt reductions possible. The debt negotiation industry averages about a 50% debt reduction, plus fees for their service, your results will vary. Chapter 7 11 13 is not the end provider of debt relief service thus we do not gaurantee any debt reduction amount, this will be estimated by the debt relief company you choose to use.

Important Issues to Consider when Evaluating Debt Settlement or Negotiation Programs

Consumers should not use a debt settlement service if they are able to pay their minimum balances due each month. Nor should the join if they do not have a legitmate financial hardship.

1) late fees, penalties, and interest will continue to accrue on the consumer’s debt until the consumer’s creditors accept and receive a settlement; (2) a consumer’s creditors may still sue to collect on the debts and garnish the consumer’s wages; (3) interest rates applicable to the consumer’s debt may increase; (4) any money a consumer saves in negotiating a settlement with a creditor must be treated as income for tax purposes; and (5) a debt settled for less than the full amount owed may result in a negative notation on the consumer’s credit report.

Chapter 7 11 13. is not acting as a lender or broker. The information provided by you to Chapter 7 11 13 is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher, depending on your property's location, your credit score, your loan-to-value ratio, debt-to-income ratio, and other factors. Not available in all states.

Chapter-7-11-13.net is not liable for any loss resulting from a business relationship formed by you the consumer and an end service provider found using the chapter7-11-13.net website.

 

 

 

 

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