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Walt Disney did it, Larry King Filed bankruptcy, La Toya Jackson had to, and so did Donald Trump. In fact, tens of thousands of Americans 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 thing, 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 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. Please consult with a local attorney for professional advice on Bankruptcy. For millions of others there is a better solution. An honorable and legal option that can help you avoid filing for bankruptcy and still become debt free. How? Using debt settlement arrangements to reduce your debts can be made with creditors to assist those who are in a financial hardship and facing a possible bankruptcy. What kind of arrangements? How would you like it if your debt were reduced from $20,000 to $10,000 or less? What if your debt was $30,000 or $50,000 or even $100,000 or more and was cut in half? That would go a long way towards helping you become debt free, wouldn't it? What if arrangements could be made so you could make small, manageable payments on the reduced amount? What if the Creditors would agree to and approve these arrangements? Great News: This is what debt settlement does for thousands of hard working families each year. Look at the Key Benefits of using debt settlement: You have one affordable savings goal each month. Although individual results vary average reductions in debt are about 50% of what your balances are. In some cases debts can be reduced by up to 60% even 70%! You get an experienced and professional team that has reduced millions of dollars in consumer and commercial debt and helped thousands of individuals like you avoid a bankruptcy and start a new financial life. There is no loan involved in debt settlement! You don't have to be a home owner or even have good credit. The negotiation is based on your hardship. Settlement services work for YOU, not your creditors. Virtually all Credit counseling companies are paid by your creditors in one fashion or another. So long as you are in their program, they get paid by the creditors AND by you. So what is their incentive to have you become debt free? They don't have one, it is to their benefit that you stay in debt for as long as possible to make as much money from you as possible. In summary, you have a way to possibly avoid bankruptcy, you can reduce your debts by up to 60%* or m ore and reduce your monthly expenses by up to 50% freeing up highly needed cash. You can make this happen, here, today! It has been done for thousands of others. All you need to do is submit a qualification request, and in a few minutes a professional debt negotiator will assess your situation and qualify you for a program to reduce your debts.! Getting qualified 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 eliminating your debts using debt negotiation. |
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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 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. 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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