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Debt settlement experts reducing your credit card debt up to 60%

Virginia Bankruptcy

Before you make that important decision dealing with you financial situation make sure you read over all the facts and understand the steps completely you are about to take. Our program is designed to get you from going into bankruptcy with flexible payments and dedicated staff that will be working for you. Your debt will be paid off in 15 - 36 months. On average we settle .40 - .60 cents on the dollar, so if you had $10,000.00 in debt you would only have to pay 4,000.00 to clear that debt.

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Calculate your debt and see the difference for yourself using our program!

A few facts to know before filing

Bankruptcy stays on your credit report for ten years -- long after other bad credit information has rotated off your credit report. Although you can get credit again, probably immediately, you can't declare bankruptcy again for years. So you'd better learn the lesson the first time around.

One thing that people don't consider when filing bankruptcy is that it impacts far more decisions than just consumer credit. Insurance rates rise for those who have declared bankruptcy. And a credit report is often pulled by prospective employers to determine your character. A bankruptcy could/will impact your future career, because it says a lot about your character as well as your money management skills.

In a Chapter 7 filing, any assets you have in an IRA will have to be liquidated, incurring taxes on the earnings and possibly a penalty. And, in the Chapter 7 process, you will also undoubtedly have to give up possessions that are important to you and your family and change your style of living. Some employers won't hire you if you've gone bankrupt. Credit card issuers are lobbying to toughen bankruptcy laws to require most bankruptcy petitioners to seek protection under Chapter 13 and thus repay at least some of their debt.

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Settlement estimates of 40 - 60% are examples of past performance of settled accounts. Individual results may vary and are dependant on successful completion of program and ability to save funds.

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