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  • Can Bad Financial Situation Lead to Depression?

    Can Bad Financial Situation Lead to Depression?

    Call: 888-297-6203

    A huge amount of debts can send anyone in a tizzy. For people who do not take stress over things which they cannot control, things are manageable. However, those people who are constantly worrying about financial security, filing for bankruptcy can be a tipping point. Dallas based bankruptcy law firm Recovery Law Group has seen many clients (who had filed for bankruptcy) go through phases of depression. Low self-esteem and other negative effects on mental health have been observed in many bankruptcy filers. It is very important to seek guidance from professionals if you are facing mental stress due to your bad financial situation. Many people are unaware of the symptoms of depression. You should consult with a professional counselor Dallas if you can identify and relate with any of these symptoms:

    • Feeling sad, hopeless, worthless and in despair most of the time;
    • Feeling bogged down with no wish to leave the bed, wanting to sleep all the time;
    • Not taking any interest in favorite activities and hobbies;
    • Feeling hungry always or simply not in the mood to eat at all;
    • Easily provoked at minor instances and feeling irritable almost always;
    • The tendency for self-harm or violence increases.

    Being tired because of a hectic week at the office is different than one in case of mental health problems. If any of the symptoms mentioned above feels familiar, it is vital that you consult experienced mental health professionals. Once the diagnosis is done, treatment is not that difficult.

    What to do if the bad financial condition is affecting your mental health?

    Money can influence your state of mind. If your financial condition is the root cause of your depression, there is help available. People who suffer from depression and anxiety because of their financial problems can take the following steps for better mental health as well as improving their financial situation:

    1. Opt for counseling sessions with experienced mental health professionals.
    2. Talk to people who are close to you (such as family or friends) and understand you, regarding what you are going through.
    3. Look for feasible debt relief options like debt reconsolidation, debt settlement, etc.
    4. Hire an experienced bankruptcy lawyer for your case. In case you would like a consultation, you can call 888-297-6023 to schedule an appointment.

    If you feel your finances slipping through your hands and as a result of it you are feeling emotionally vulnerable, it is important to stay calm and consult professionals for financial security and mental health.


      *Are you more than 60 days past due on your mortgage?

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      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

    • Risks Involved in Informal Debt Resolution

      Risks Involved in Informal Debt Resolution

      Call: 888-297-6203

      When it comes to getting rid of a huge amount of debt, there are formal and legal options available like bankruptcy as well as informal options like loan workouts. Though bankruptcy is probably one of the best ways of getting rid of debt, lawyers of Dallas based bankruptcy law firm Recovery Law Group inform that the repercussions are something that people are often not prepared to adjust to.

      Individual consumers can file for bankruptcy under Chapter 7 or Chapter 13. Through these bankruptcy chapters, debtors repay some portion of their debt while getting rid of others at the end of the chosen bankruptcy chapter. Though getting a discharge of your unsecured debts is a great option, bankruptcy has a negative effect on your credit history. Many consumers are not willing to risk the appearance of bankruptcy on their credit report and therefore look for alternatives to get rid of their debt. One such option available is “loan workout”

      This informal debt paying technique is offered by many creditors. In this case, the debtor and the creditor come to agree on an informal payment plan through which the debtor pays a reduced amount of money than they owe. This way, without the negative effect of bankruptcy, they can get rid of their debts. However, there are downsides to this plan too. These include:

      • The casual approach of the debtor regarding the payment of debts.
      • Verbal agreement with the creditor regarding lower repayment amount or payment plan, which may later prove to be extremely costly if the creditor denies any such agreement.
      • Letting the creditor access to your accounts. You might end up losing everything if they decide to directly take the money from your account.

      These mistakes can leave you with no legal option to pursue against the creditors. if you wish to protect yourself from dubious practices, you should call 888-297-6023 to consult with experienced bankruptcy lawyers Dallas regarding your case.


        *Are you more than 60 days past due on your mortgage?

        *Do you own a home?

        Are you currently working?

        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

      • How to Improve Your Credit After Bankruptcy Filing?

        How to Improve Your Credit After Bankruptcy Filing?

        Call: 888-297-6203

        Though bankruptcy is dreaded, it might be the best thing to happen to you. Many times, people need a reality check to get hold of their finances. Bankruptcy wakes them up like anything and makes them more responsible financially. Though it affects your credit history and can tank your credit scores, bankruptcy stays on your credit report for a maximum duration of ten years. Credit building efforts can start from the day you get your bankruptcy discharge which is 3-6 months from the filing date in case of Chapter 7 bankruptcy and 3-5 years in case of Chapter 13. Lawyers of Dallas based bankruptcy law firm Recovery Law Group, suggests the following ways to rebuild your credit after bankruptcy:

        • Keeping credit report updated. Bankruptcy results in the discharge of your debts. Having the debts discharged is better than having delinquent accounts on your credit report. You should ensure that the information available on your credit report is accurate and regularly updated. This goes a long way in building positive credit.
        • Paying debts which weren’t discharged in bankruptcy. Many debts like student loan etc. survive bankruptcy. Making payments against those debts will show that you have reformed.
        • Avoid being scammed. Bankruptcy remains on your credit report for 7 years (Chapter 13) or 10 years (Chapter 7). Anyone who says they can get it removed is lying. You should steer clear of such people if you wish to hold on to any money you have.
        • Stay within budget. Credit counseling is a mandatory part of your bankruptcy as it teaches you to balance your money. You should avoid getting in debt just after bankruptcy to improve your credit.
        • Get a new credit card. Though it may sound oxymoronic, a credit card is the best way to build credit. Establishing that you are a responsible user who can make payments on time will result in building your credit. However, people may find it difficult to get an unsecured credit card, fresh out of bankruptcy. In this case, opt for a secured credit card.
        • Take a loan. Once you have made efforts for a couple of years following the above points, you might be able to secure a car loan. Making regular and timely payments on the same can go a long way to prove that you have changed your ways and are reliable to get mortgage loan too.
        • Go slow. Doing too much at the same time can not only be overwhelming but might also cause you to make a mistake which might prove costly. Take time and work out slowly to repair your credit.

        Despite what you think or feel, bankruptcy is not the end of your life. You can rebuild your life after bankruptcy, all you need is time, patience and continuous effort. In case you are considering bankruptcy to get rid of your debts, you can call experienced bankruptcy lawyers Dallas at 888-297-6023.


          *Are you more than 60 days past due on your mortgage?

          *Do you own a home?

          Are you currently working?

          By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

        • Declared Bankruptcy but Mortgage Loan not Reported? Here’s What You Can Do

          Declared Bankruptcy but Mortgage Loan not Reported? Here’s What You Can Do

          Call: 888-297-6203

          Buying a house is a big commitment, especially if you have just come out of bankruptcy. Your credit score is negatively affected when you declare bankruptcy that can make it difficult to get any new credit, especially one like a mortgage. Most people who opt for Chapter 13 bankruptcy get a chance to catch up on their past due payments through the repayment plan. Other options regarding mortgage are to reaffirm the debt in order to retain your house. Once you reaffirm the debt after filing for bankruptcy, the debt is not mentioned in your credit history, says lawyers of Dallas based bankruptcy law firm Recovery Law Group.

          The worst nightmare for people out of bankruptcy is when their existing mortgage, for which they were paying for the past many years, is not reported to credit bureaus. Without this information on their credit report, their efforts of making payment in good faith are not reported and thus no improvement can be seen in their credit rating. The lender is supposed to report the information to any of the three credit reporting bureaus (Experian, Equifax or Transunion). However, as per the Fair Credit Reporting Act (FCRA), it is not compulsory. They can choose to report to all three, any two/one or none. Since this is the lender’s responsibility, you could ask your lender to report the account legally and accurately.

          An adept lawyer can ensure that there are no loose ends when you opt to file for bankruptcy. For consulting with experienced bankruptcy lawyers, call 888-297-6023.


            *Are you more than 60 days past due on your mortgage?

            *Do you own a home?

            Are you currently working?

            By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

          • Can Public Bankruptcy Records Lead to Denying of Credit?

            Can Public Bankruptcy Records Lead to Denying of Credit?

            Call: 888-297-6203

            Many times, people who have just got their bankruptcy discharged face the problem of rejection from creditors, even for small loans. This can be quite frustrating for people who wish to start their life afresh. One of the major reasons for credit being rejected is the mention of bankruptcy on credit history. Since bankruptcy is public record and stays on the credit report for seven years in case of Chapter 13 bankruptcy and ten years in case of Chapter 7 bankruptcy, people fresh out of bankruptcy can be in for a long duration of living without credit.
            According to Dallas based bankruptcy law firm Recovery Law Group lawyers, getting a bankruptcy discharge means that you have gone through all bankruptcy requirements. However, it does not necessarily mean that you have paid all your debts. This causes most creditors to be vary of lending any money to you. It is no wonder that getting new credit just months after bankruptcy is extremely difficult and people often face dejection. If some people get credit, it is at exceptionally high interest, making it a bad decision, especially for people fresh out of bankruptcy.
            Being rejected for credit can cause extreme frustration in people; however, applying many times within a short period can add to your woes. It is advisable to let some time pass after bankruptcy before applying for credit. This improves your chances, especially if you keep building your credit using a secured credit card or any open positive credit account. Eventually, the positive credit building helps you get a loan after bankruptcy. For knowing more about bankruptcy discharge and getting credit after bankruptcy, call 888-297-6023.


              *Are you more than 60 days past due on your mortgage?

              *Do you own a home?

              Are you currently working?

              By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

            • Can Bankruptcy Be Removed from Your Credit Report?

              Can Bankruptcy Be Removed from Your Credit Report?

              Call: 888-297-6203

              People having trouble in managing finances often resort to bankruptcy. It is the last solution to deal with excessive debt which is quite difficult to pay back. Despite getting rid of a huge amount of debt, bankruptcy can have a negative effect on your credit rating. People find it difficult to get a loan, credit card, and even job once they have filed for bankruptcy. According to Dallas based bankruptcy law firm Recovery Law Group lawyers, bankruptcy remains on your credit report for a period of seven to ten years (from the date of filing) depending on the chapter of bankruptcy filed.

              • In the case of Chapter 7 bankruptcy Dallas, since no debts are repaid, the bankruptcy remains on records for 10 years.
              • In Chapter 13 bankruptcy, some amount of debt is repaid over a period of 3-5 years and thus, this type of bankruptcy is deleted after seven years from the filing
              • All accounts included in bankruptcy chapters remain on credit report for seven years. Accounts that were delinquent prior to bankruptcy filing will be deleted after seven years from the original delinquency date, while those that were current at the time of bankruptcy filing will be removed, seven years from the filing

              It is therefore important for people to regularly check their credit report for any discrepancy. Any account included in the bankruptcy should automatically be deleted after the specified time frame. In case this is not the case, you can ask the credit reporting company to rectify the mistake. Hiring an adept bankruptcy lawyer can be a huge asset for your case. If you wish to consult with one, you can call 888-297-6023.


                *Are you more than 60 days past due on your mortgage?

                *Do you own a home?

                Are you currently working?

                By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

              • Everything You Wanted to Know About Bankruptcy

                Everything You Wanted to Know About Bankruptcy

                Every now and then, individual and businesses go overboard with their expenditure. This might result in them going under. Bankruptcy is a legal way to get rid of the entire amount or some portions of the debt. However, there are long term effects of filing for bankruptcy, the major being, bankruptcy remains on your credit report for 7 to 10 years depending on which chapter you filed under. This may adversely affect your ability to get a loan at a favorable rate, open credit card accounts, etc.

                Since bankruptcy is a complex process involving lots of paperwork, it is advised to seek guidance from experts like the Dallas based bankruptcy law firm Recovery Law Group. It is also mandatory for an individual to complete a credit counseling course from a government-approved counselor in order to create a budget for monthly expenses. Individuals can file for bankruptcy under either Chapter 7 or Chapter 13. Both chapters can help in getting rid of unsecured debts, as well as stop all kind of collection actions including foreclosure and wage garnishment.

                Chapter 7 Bankruptcy

                This is also known as liquidation bankruptcy. A bankruptcy trustee supervises the sale of non-exempt property to pay off your creditors. Any debt which remains is discharged. Certain debts like alimony and child support, student loan and certain government taxes are not eliminated even after bankruptcy. Filing for Chapter 7 has consequences; you end up losing some of your property, your bankruptcy is reflected in your credit score for 10 years. Additionally, if you end up in a financial mess again, you will not be able to file under this chapter for 8 years.

                Chapter 13 Bankruptcy

                In this case, you can keep your assets by paying for them along with repaying your debts through a court-approved repayment plan over a period of 3 to 5 years. After the duration, any remaining debts are discharged, even if only part payment is done on them. This bankruptcy allows you to keep your assets while repaying some debt. Moreover, this bankruptcy is reflected in your credit report for 7 years only and you can file for bankruptcy under the same chapter after 2 years of discharge.

                Common bankruptcy terms

                Some common bankruptcy terms people come across during their discussion with lawyers are –

                • Bankruptcy trustee: A person/corporation appointed by the court to review the petition, assess the property, oversee the sale of assets and disburse the proceeds among creditors in case of Chapter 7 bankruptcy. In a Chapter 13 case, they also oversee the repayment plan, receive money from debtor and pay it to the creditors.
                • Bankruptcy discharge: Completion of bankruptcy proceedings results in discharge. In Chapter 7 this takes place when assets are sold and creditors are paid, in Chapter 13, after completion of the repayment
                • Credit counseling: A compulsory course of action prior to filing for bankruptcy. You are required to complete a personal financial management course through government-approved credit counseling agency before bankruptcy discharge. This can be waived off under special circumstances.
                • Exempt property: State and the federal government allow bankruptcy filer to keep some property. this cannot be sold to repay creditors. Generally, some equity in the home, vehicle, work tools, household items, etc. is exempted.
                • Lien: Legal action which allows the creditor to hold or sell debtor’s real estate for security or debt repayment.
                • Liquidation: Selling of non-exempt property of the debtor in order to generate cash to pay off the creditors.
                • Means test: A test used to determine the ability of a bankruptcy filer to repay their debts. This considers the filer’s assets, income, expenses, and Failure to pass means test disqualifies them from filing under Chapter 7. Individuals can then file for Chapter 13 bankruptcy Dallas.

                What happens after a bankruptcy discharge?

                People might end up losing some property when they file for bankruptcy. It also has long term effects on your credit report. Depending on the chapter of bankruptcy, bankruptcy remains on credit report for 7-10 years. You might face difficulty in getting a loan, or if offered it might be at a higher rate of interest. In case your loan was co-signed by your spouse or parents, they might also face some problems if you file for bankruptcy. Getting a mortgage becomes difficult for bankruptcy filers. They need to give a larger down payment, get a mortgage at the higher interest rate. Reaffirming current mortgage is a better alternative.

                It is important to have credit information updated on your credit report if you wish to avail credit at favorable terms. This can be done by rebuilding credit, paying bills on time, living within budget, etc. it is important to consider bankruptcy alternatives like debt consolidation, debt settlement, etc. prior to filing. To know more about bankruptcy options, contact experienced lawyers at 888-297-6023.


                  *Are you more than 60 days past due on your mortgage?

                  *Do you own a home?

                  Are you currently working?

                  By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                • What is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

                  What is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

                  The two most common chapters under which bankruptcy is filed are Chapter 7 and Chapter 13. Chapter 7 is known as liquidation bankruptcy where non exempted assets are liquidated or sold off to pay your creditors. This chapter of bankruptcy typically results in discharge within 3 months of filing without making any further payments. While in Chapter 13 bankruptcy case, a court approved repayment plan is devised to clear your debts with the creditors. According to Dallas based bankruptcy law firm Recovery Law Group, partial payment based on your disposable income is made to creditors over a period of 3-5 years. Any remaining debts after the duration are discharged.

                  Filing for bankruptcy reflects on your credit report. A Chapter 7 bankruptcy Dallas remains on your credit report for 10 years while a Chapter 13 one appears for 7 years from the filing date. This is so because, in the former case, no repayment of debt takes place while in the latter, a certain portion of the debt is paid. If you wish to know more about the details of the workings of either chapter, contact 888-297-6023 and consult with experienced bankruptcy attorneys.


                    *Are you more than 60 days past due on your mortgage?

                    *Do you own a home?

                    Are you currently working?

                    By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                  • What is the Difference Between Default and Bankruptcy?

                    What is the Difference Between Default and Bankruptcy?

                    Default means not being able to fulfill an obligation, especially the monetary kind. When a person defaults on a credit account, it means they have been unable to repay as per their agreement. According to Dallas based bankruptcy law firm Recovery Law Group defaulting on a payment is usually the first step towards bankruptcy. This is so because unfortunately, defaulting adds up the interest as well as penalty on the already existing amount. Generally, people have a minimum of 2-3 credit cards. Simultaneous use of them results in a huge amount which needs to be paid every month to avoid it piling up. Defaulting causes people to struggle with their finances and from there, it is a slippery road towards bankruptcy.

                    Bankruptcy is not only quite dramatic but also has negative implications on your credit report. Finding credit after filing for bankruptcy or getting discharge is quite tough. To know about your options regarding bankruptcy, call 888-297-6023 to consult with the best bankruptcy attorneys.


                      *Are you more than 60 days past due on your mortgage?

                      *Do you own a home?

                      Are you currently working?

                      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                    • Simple Truths about Bankruptcy

                      Simple Truths about Bankruptcy

                      Bankruptcy is a misinterpreted word that is not discussed in open conversation. A person declaring bankruptcy is often looked down by society. In fact, bankruptcy is a good way to save face from bad loans and lead a respectable life. Bankruptcy is substantially explained on Recovery Law Group, which will expose myths about bankruptcy.

                      1. # 1 myth

                      Bankruptcy is often considered petrifying. In fact, bankruptcy is a good solution from never-ending debts, wage garnishments, creditors pressurization. It offers a fresh start for debtors and abstains foreclosure. All a debtor need is an experienced bankruptcy advocate to make the process simple and understandable.

                      1. # 2 Myth

                      Bankruptcy is a lengthy process. What is true about bankruptcy is its time limitation. It has a specific time period within which the case is to be wrapped up. In fact, you are cleared off in 90 days under chapter 7.

                      1. # 3 Myth

                      Bankruptcy damages credit. The bad loans that the debtor has, is cleared with bankruptcy giving him a clean slate to start his financial journey.

                      1. # 4 Myth

                      The debtor is at risk of losing his assets. There are some assets that the debtor can keep and some needs to be sold off to pay the debts. Nevertheless, the debtor does not wash off with all his assets, which can be true if he does not apply for the bankruptcy. Since the creditors will wash off with every single dime. By filing bankruptcy, depending upon which law -State or Federal, under which some properties are exempted. the debtor can save some of his assets and live a decent life.

                      All myths are busted, and some truths are reinstated about Bankruptcy. People, over-burdened by loans, that seem impossible for them to clear off, must take advice from an experienced bankruptcy advocate to understand the right course of action. The Government of USA has designed laws to help its citizens. And citizens genuinely in need must not hesitate to take help of the bankruptcy law. They can clear their doubts by calling at- 888-297-6203.


                        *Are you more than 60 days past due on your mortgage?

                        *Do you own a home?

                        Are you currently working?

                        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.