Did you know?!? Debt Consolidation or Debt Settlement isn't just way more expensive than filing a Chapter 7 Bankruptcy, it's also WORSE for your credit score in the long run! Many people believe that it's somehow BETTER to pay SOMETHING back to creditors as opposed to paying NOTHING back, but this simply ISN'T true. A typical Chapter y bankruptcy is over in a few short months and your debts are completely wiped out. You can start building credit again AS SOON AS YOU GET YOUR DISCHARGE!!! Debt settlement/consolidation plans last years and you pay hundreds, sometimes over a thousand (or more) dollars per month. Often these plans are not successful. Many creditors DO NOT participate and can sue you and obtain a judgment against you, even if you do everything you're supposed to! And it's not until you've made your last payment that your credit begins to improve. It's just NOT a smart move! Call me any time and I will be happy to discuss this with you!!!