If you have been late making payments, you know the feeling when the calls begin. Every time the telephone rings, you hold your breath and your stomach gets tight, but you answer anyway. Unfortunately, it's another creditor on the line, wanting you to commit to the amount and date of your next payment. As the weeks go by, you tire of telling the collectors your story and excuses, and begin to let the calls go to your answering machine. Of course, this makes them call you more often, which in turn increases your feelings of frustration and fear. You know that avoiding their calls only makes matters worse, but talking to them is so stressful.

The situation becomes more uncomfortable when your children start asking about the calls, and as you try to act nonchalant when creditors phone while friends or relatives are visiting. At this point, bankruptcy sounds pretty good! Bankruptcy will end all those calls and give you a clean slate! THINK AGAIN.

Even though bankruptcy may give you immediate relief from creditors, in the long run, it causes as much stress as it relieves. First, there's the stigma attached to filing for bankruptcy protection, which is a matter of public record for everyone to see. Then you must decide where the money will come from to pay for the expensive attorney's fees and costs that must be paid in advance.

Throughout the process you will experience the uncertainty of not knowing if the Trustee will seize your automobiles or other property that he or she believes to be "luxury" items, and the bankruptcy process can last from months to years.

Finally, your bankruptcy will stay on your credit report for the next TEN years.

Even after the bankruptcy is off your credit report, it is still there to haunt you. Will you be asked if you've ever filed bankruptcy on a future job application? (Many companies run credit checks before they hire.) Will you need to be bonded at your new job? (The bonding company will definitely ask the question.) Will you ever be able to rebuild your credit?

There is an alternative to bankruptcy. We can stop the harassing phone calls, get the actual amounts you owe REDUCED, and eliminate your constant worry about what is going to happen next. Call us today for your peace of mind.