Bankruptcy is a legal process that provides relief from the burden of an overwhelming debt load.  The process offers immediate protection from creditors, relief from harassing collections calls, and stops most garnishees.  Those who file for Bankruptcy generally experience a huge and immediate sense of relief.

While Bankruptcy is a process that should not be considered lightly, it is generally the process that will provide the quickest route to debt elimination.  It is the process that should be chosen if you do not qualify for a consolidation loan or you are unable to afford a debt settlement plan.  Most people are reluctant to accept the fact that Bankruptcy is their best credit solution and postpone the decision hoping that a better debt solution will come along.  In most cases, you can be released from your debts in a short period of time and can then begin the process of recovering your credit.

With the assistance of our Financial Counselling process, our clients improve their money management skills and learn effective budgeting tools. Having no debt, most can recover their credit ratings relatively quickly and soon become eligible for most credit products, like vehicle loans and mortgages.