Alternatives to Bankruptcy*

For many people, bankruptcy is NOT necessary. Now that the new bankruptcy laws are in effect, the landscape has changed for those who are considering bankruptcy. It is now much more difficult for many Americans to file bankruptcy.

• All debtors must get credit counseling before filing for bankruptcy, and additional counseling on budgeting and debt management before debts are discharged.
• Some filers won't be allowed to use Chapter 7, but will instead have to repay part, or all, of their debt under Chapter 13.
• The new laws add some complicated requirements to the field of bankruptcy. This makes it more expensive, and time-consuming, for lawyers to represent clients in bankruptcy cases, which means attorney fees are going to go up.

Still, bankruptcy IS the best option for some people to get out of debt. If it is, we can help you find an affordable bankruptcy attorney in your area.

But, how do you know if bankruptcy is right for you?
Who can you trust?

Obviously, if you ask any bankruptcy attorney about filing bankruptcy, they're going to say, "Yes! Bankruptcy is what you should do!" Bankruptcy attorneys will look at your situation and if there's anyway to qualify you for chapter 7 or chapter 13 bankruptcy, they most certainly will help you file for bankruptcy. Why? Because that's how they eat, and afford their Mercedes payments!

Bankruptcy will cause you major financial and credit challenges in the near future and up to 10 years down the road.

Are you 100% certain that bankruptcy is the best thing for you to do?

Chapter 7 bankruptcy may be the best route for people with severe legal issues or no way to afford any kind of repayment of their debt in the foreseeable future, if they qualify. However, if you are considering filing chapter 13 bankruptcy, you are probably not aware of how it will impact you. There are probably better options available. There is no need to suffer from the severe impact of a chapter 13 bankruptcy on your credit report for the next TEN YEARS when other options can save you as much money or more WITHOUT filing bankruptcy and taking such a long term hit on your credit.

What IF... ???

1. What if someone came along who could help you understand if bankruptcy was right for you, and help you find an attorney in your area who could help you through the process if bankruptcy was, indeed, your best option?
2. What if there were other, possibly better, options for you... AND you had the help from an expert who was able to show you all options available to you and help you choose which one is truly best, FOR YOU?
3. What if there was someone you could talk to who was an expert in solving financial problems, who specialized in helping people like you find the best debt solution for your specific situation?

STARTOVERTODAY is committed to offering you the best in financial solutions. Our goal is helping you make your best choice!

Our team of Financial Strategists will evaluate your unique situation and thoroughly examine each option with you (including bankruptcy and its alternatives). We will help you decide which option will best fit your needs. With over $75,000,000 of unsecured debt being resolved since 2002 and no complaints with the BBB, STARTOVERTODAY.COM will help you find the right choice too!

*STARTOVERTODAY.COM is not a legal firm nor are it's employers and affiliates liscenced attorneys, The information you obtain at this site, including information about bankruptcy, is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and we welcome your calls and emails. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.