Bankruptcy v. Debt Consolidation

Won’t I get a better credit rating if I just go through a debt consolidation company?  No, you will not.  It will cost you less money and you will rebuild your credit rating faster if you file for Chapter 7 or Chapter 13.  Be cautious if you are considering using a credit counselor or debt consolidation company.  Also, read about the problems of unscrupulous companies in the credit counseling industry and the action the IRS has taken against “non-profit” credit counseling groups following widespread abuse.


If you are considering these options you should contact our office today for your free bankruptcy consultation to discuss your individual situation.  We offer fair fees and monthly payment plans.