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Alternative to filing Bankruptcy 		 

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Alternative To Filing Bankruptcy:

Each year millions of consumers find themselves in serious debt with credit cards, medical bills, store cards Gas cards, personal loans and more... Do you think that all of them had to file bankruptcy? Absolutely not. Instead consumers are using legal and effective negotiation services that can cut monthly expenses by up to half and reduce their debts by up to 60% or more* without a bankruptcy or a loan.

If you're late on your bills are falling ever deeper in debt and are thinking bankruptcy is the only way out, use our free 2 step process to see if your debts qualify for a significant debt reduction of up to 60%* or more! It's fast, private and completely free!

A Free, Private and No Obligation Service

 
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About Filing For Bankruptcy
THIS IS NOT LEGAL ADVICE. If you need bankruptcy advice please consult with an attorney or legal professional.

Walt Disney did it, Larry King Filed bankruptcy, La Toya Jackson had to, and so did Donald Trump. In fact, tens of thousands of individuals and businesses file for bankruptcy every year. The US Constitution guarantees you the right to debt relief through bankruptcy. A bankruptcy can give you a "fresh start" and with a reformed budgeting practice a second chance at the American dream. However, unlike what many think, filing bankruptcy is not a "Get out of Jail Free Card". Before the Bankruptcy Act of 2005 the best-known feature of the bankruptcy system was to the discharge debts, "wipe the slate clean". Now serious bankruptcy reform has been passed by our legislators which heavily emphasis paying back creditors NOT wiping the slate clean. Today many people will no longer qualify for a chapter 7 bankruptcy where some of your debts are discharged, instead they will have to file chapter 13 where they will have to pay back the majority of their debts many times over a 5 year period.

Not all Debt is Dischargeable in a Bankruptcy.
With the most common bankruptcy (chapter 7) you must surrender your non-exempt property to the court for the benefit of your creditors. You could lose many of your liquid assets, such as bank accounts, stock brokerage accounts, and other investments. In addition, you probably also have to surrender personal items that have value, such as a vacation home, a boat, or a prized collector's item. In addition, your credit will be ruined and the bankruptcy will follow you for life. Just think about any application for credit, a home loan, renting an apartment or for employment that you have filled out, did it ask if you EVER file for bankruptcy? It sure did, and it is ilegal to answer that question falsely. This is why bankruptcy stays with you for life and can have a negative financial impact on your life forever.

With that said Bankruptcy can be the right solution for some, in general bankruptcy is right for those who have high debt and virtually no income and no expectation of income in the near future. Please consult a bankruptcy attorney if you wish to file bankruptcy.

For millions of others there is a better solution. An honorable and legal option that could help you avoid filing for bankruptcy and still become debt free.

Debt settlement services negotiate directly with your creditors to significantly reduce your debts if you have a qualifying hardship and meet other financial requirements. If you submit the request above you will get a free consultation to see if you qualify for a debt settlement program. The negotiation process can take between 12 and 36 months depending on the amount of debt you have and your ability to pay off the reduced debt amount. The results can be dramatic, with debt reductions of up to 60%* or more. There is no bankruptcy to list on your credit report, nor do you have to take out a loan.

Seeing if your debts can be negotiated and reduced and having a consultation is always confidential, free, with no pressure and you have absolutely no obligation to use the service.

Don't file bankruptcy before you explore reducing your debts using debt negotiation.

 

We are Not offering a Government based or backed Bailout Program.

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 agreementor 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.

Debt relief services may not be available in all states. It is your responsibility to confirm the debt relief service you choose is able to do business in your state.

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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