If you've come to this site, you may already be at the point where you are considering declaring bankruptcy. However, there may be ways to change your life and lifestyle that can AVOID BANKRUPTCY ALTOGETHER!
We can show you how to reduce your debt, spend less and earn more.
Reduce Your Debt
Debt reduction services work directly with your creditors (your credit card companies, mortgage bank, car lender, etc.) to change your payment plans and significantly reduce what you owe to them.
This can have dramatic consequences and is probably THE SINGLE BIGGEST THING you can do to affect whether or not you declare bankruptcy.
They do all the work for you, so you don't have to talk to the creditors, and you'll no longer be bothered by phone or mail from their collection agents.
We recommend Credit Solutions. They've helped over 60,000 people, were featured on NBC, and recently were awarded "outstanding" by J.D. Power and Associates.
Spend Less Money
A great way to save money is to reduce your reliance on credit cards. Instead you should use cash wherever possible - since it helps you keep better track of your spending.
You can't simply cut up your credit cards. Open accounts may affect your future credit and put you at risk for identity theft.
- 1st, get a free credit report to make sure you know all your open accounts.
- 2nd, contact each card company and cancel the account formally.
- 3rd, remove yourself from the lists that credit card companies use to solicit you.
Another great way to save money is to use coupons when shopping. We recommend Coupons.com, which lets you print coupons at home and save hundreds of dollars per month on your grocery bills.
Earn More Money
Here's some sites to help you make some extra money. These are not "get rich quick" schemes, but legitimate ways of making a few extra hundred dollars per month working at home by taking surveys, trying products, and more.
We suggest you try all three of these: