* COUNSELING SERVICES *

After a thorough evaluation of your financial situation, it may be that bankruptcy is not a viable or desired option .
Bankruptcy should be the last resort you take.

1. Consolidation Loans

If you own a home with equity, a home equity loan might work for you. We can refer you to mortgage / loan companies that may be able to assist you.

2. Debt Negotiation

If you have have high interest debts we may be able to negotiate lower payments, lower interest rates or lump-sum settlements for these debts.

3. Debt Counseling

after a complete evaluation  of your financial status we will recommend one of our programs that best fits your situation. we can help you set up a personal budget and give you personalized advice to help straighten out your debts over a period of time. We may also refer you to a debt consolidation company to assist you in paying creditors.

4. Debt Management...  ( Learning to manage debt will save you thousands of dollars in interest, lower your monthly payments and set you up to be debtfree in 8 to 12 years. )

We would be happy to assist you over the telephone or schedule an appointment with you in person. Our initial consultation is free. This service is not legal advice but we may refer you for legal advice depending on your situation.

 The content of this website is not meant to constitute legal advice in any jurisdiction. A licensed attorney in your state should be consulted before filing any form of bankruptcy ...