Need Debt Relief?
800Hope.net could be Your Answer
Be Debt Free In 12-36 months
Avoid Bankruptcy
Stop Creditor Harassment
Get Your Life Back!
Proven results
Filing bankruptcy should the last resort option for people looking to resolve their debt issues. The longest lasting disadvantage of filing a bankruptcy is that it will stay on your credit reports for up to ten years, making it difficult and more expensive to obtain consumer loans, credit cards, and/or a mortgage. A bankruptcy filing can also disqualify you from applying for, and getting certain types of jobs.
Bankruptcy filings are also a matter of public record so, in addition to appearing on credit reports for ten years, the details can be accessed by anyone interested obtaining them. To make matters worse, the announcements are typically made in local newspapers for all the world to read.
Since the drastic overhaul of the bankruptcy code in October of 2005, the process carries far fewer benefits for the typical consumer. Prior to the overhaul, most cases went the way of a chapter 7 filing where debts were dismissed and consumers were given a fresh start. The filing could be completed within days and entire process took four to 8 months to complete. Since the overhaul, most bankruptcies end up as chapter 13 filings which are far more onerous, lengthy, and restrictive. A chapter 13 case can take as long to get approved as a chapter 7 case takes to be completed. Instead of dismissal, the consumer will now have a “work out” phase where payments are made to the various creditors. This phase can take anywhere from three to five years to be completed. Additionally, under chapter 13 rules, creditors are enabled to act much more aggressively towards debtors that miss even one payment. For instance, should a consumer miss one mortgage payment, the lender can go back to court to initiate the foreclosure process immediately.
There are many alternatives to the last resort option of filing bankruptcy. To learn how to manage and ultimately eliminate debt without filing bankruptcy call 800 Hope today at (800) 466-1845
800hope.com offers you the opportunity to overcome your debt, and every problem that goes along with debt. Stress, fear, shame, anxiety and simply not being able to live your life the way you want to are all consequences of having too much debt. Our debt settlement program may just be the answer you’re looking for to become a debt free individual.
Debt Settlement
The debt settlement professionals at 800hope.com provide in-depth analysis of your finances, as well as a helpful plan to help get you out of debt as soon as possible. Instead of being crushed by the monthly bills and phone calls that haunt you, you can have a strategic program that will help you get debt free in less time than you probably thought. Instead of giving up and simply declaring bankruptcy, we help you pick up the pieces of your financial crisis and build a new hope.
Debt Problems
Are you plagued by credit card debt, medical bills, collection agency calls and bills stacked a mile high? You aren’t alone in your debt problems. Debt settlement companies have been helping people just like you, and there’s no reason to be ashamed of your debt problems. We have helped numerous people across the country overcome their debts and move toward a bright, hopeful financial future. We have put together debt settlement programs for people who were tens of thousands and even hundreds of thousands in debt, and we can do the same for you no matter how big or small your debt problem is.
What’s The Next Step?
Read through our Website, browse the information we have made available to you and then call us at 800-466-1845. Our debt settlement professionals are waiting to take your call and walk you through the debt settlement process. We can help you pay down debt, reduce your unsecured debt and possibly even eliminate your debt entirely. Rather than declare bankruptcy and have your credit ruined for a decade, we help you deal with your lenders in a timely, bold manner so that you and your family can enjoy a hopeful financial future.
