Debt Management

Bankruptcy Alternatives

Since filing for bankruptcy can stay on your credit report for up to 10 years, you may wish to consider a few alternatives before you file.

Contact your creditor(s) to see if you can work out a payment program with them directly. Creditors ultimately want to get their money returned, so in many cases they will be willing to work with you.

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Locate a debt consolidation company and sign up for their program. You can search for these online or get referrals from friends and/or co-workers. Debt consolidation is a great way to start paying off debt in a manageable way. Payments are usually less than $300 a month.

You can also sign up for a debt workout bankruptcy alternative. In this case, an attorney will contact your creditors to arrange for a payoff of your debt. In most cases, an agreeable payment plan can be made for over a longer period of time than your original payment plan.

If you have bad credit (or your partner has bad credit) due to maxed out credit cards, you need to learn how to manage credit card debt. Call each of your credit card companies and request a lower interest rate. Because of today’s competitive rates, you might discover that your company is happy to oblige. By lowering your interest rate, you can pay off your balance more quickly. In the event that your credit card company will not lower rates for you, find a new card that offers a low or even no interest rate (for a period of time). Transfer your balances to this new card and pay off as much debt as possible – preferably all of it -- during your new card’s no-interest grace period.

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