I bet the bankruptcy attorneys are busier than ever. Times are just really tough and a lot of the American people just need a way out; A way out of piles of debt that just seems insurmountable.
Working in the financial services sector to the last decade, I can tell you that a bk makes life tough for years to come (it stays on your report for 10 years, not 7). That is going to be more true now, than ever before.
There is an excellent way to ease your financial burden and get out of debt while avoiding bankruptcy. Debt settlement is a good way to do this AND THE BEST WAY TO DO IT is to do it yourself. Here is why:
Debt settlement is easy to do if you have a step by step plan to follow. If you elect to do it yourself, you can save yourself thousands.
Debt settlement companies sound good when they tell you they will settle for 50 cents on the dollar, but THE TRUTH IS you can follow a step by step guide and settle your debts for just 15 to 30 cents on the dollar.
Let us do the math and see how much one can save by avoiding bankruptcy by settling debt yourself. If you have $100,000 in credit card debt (I have seen plenty of folks with this much and more), the settlement companies guarantee to settle for $50,000 and then you select a payment plan and term. In reality, they would settle for $15,000 to $30,000. Their fee (albeit none up front) is the difference between the guarantee and the end result. So in this example, their profit would be $20,000 to $35,000.
I could do a lot with that kind of money during hard times. What about you?
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