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“As soon as I got on a program I felt relieved.”
“I was overwhelmed with amount I owed, because my minimum payments were getting higher along with all my regular bills, it was just getting to be too much! As soon as I got on a program I felt relieved.” –Jeremy
“Things are less complicated now...”
“Instead of paying several credit card payments each month, it's wonderful to have them consolidated into only one manageable payment. Things are less complicated now and I'm feeling much better.” –Brenda
Debt Relief – How It Works
Over the years one of the most common questions we get from people who come to our site is "How does it work?"
This video explains how the free debt relief savings estimate works, how debt relief programs work and if there is any cost.

What is a bankruptcy attorney?

Simply put, a bankruptcy attorney is a lawyer who specializes in bankruptcy law. Individuals and corporations routinely seek out a bankruptcy attorney at the start typically secured if the filings go according to plan, so that you don't end up paying out of pocket at the onset, only to have the filing mismanaged.

What does a bankruptcy lawyer handle?

In most cases, your bankruptcy attorney will, in collaboration with the courts and any appointed trustees, manage your case from start to finish. This is especially important because the bankruptcy process is typically very involved and complicated, and without legal counsel you risk the chance of ending up in a worse financial situation.

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Depending on your particular type of bankruptcy filing, your attorney should advise you in several key areas. Let's explore those:

To review debt relief alternatives to bankruptcy in California and to get a free debt relief analysis, along with a free savings estimate, simply answer a few online questions. It's free and there's no obligation.

Chapter 7

In Chapter 7, non-exempt property is turned over to the courts by way of a trustee to be liquidated, in order to secure funds for paying back creditors. However, since bankruptcy laws vary from state to state, it may not be clear what qualifies for exempt property (and more importantly, what does not!). A bankruptcy attorney will help you hold on to as much property as possible - i.e. your home, car, clothing, etc. so that you don't face the prospect of having to completely start over once the bankruptcy filing is discharged.

Chapter 13

With Chapter 13, you don't liquidate your assets - rather, you negotiate a plan with your creditors to repay the debts you owe over a period of years. Chapter 13 allows you to retain all your property throughout the bankruptcy proceedings, ensuring that post-bankruptcy you have a solid foundation of assets still in place. However, as you might expect, bankruptcy negotiations are complicated, steeped in legal jargon, and not something we advise anyone handling on their own. This is exactly why we recommend hiring a qualified bankruptcy attorney. He or she will act as the conduit between you and all interested parties, drawing up the papers, ensuring everyone is on the same page and, hopefully, keeping the process running smoothly from start to finish.

Chapter 11

Corporations who file for Chapter 11 (as many financial institutions did in the recent recession) usually have a team of bankruptcy lawyers working on their behalf to restructure the company's debt and ensure the business stays open while bankruptcy proceedings continue.

The bottom line: In virtually all cases of bankruptcy, qualified bankruptcy attorneys play a critical role. They provide information on bankruptcy that may not be readily available or apparent, but is nonetheless important to understand. And they help you to thoroughly understand bankruptcy law so that you can make the system work in your favor. Just be cautious about who you choose to hire - sadly, there are many lawyers who may promise you a clean slate with zero penalties - and unfortunately, it may not work that way in your situation. Choose your lawyers wisely, and you'll find the process of filing for bankruptcy doesn't have to be as painful as you may have once thought. Get strong recommendations and review lawyer record of service and history.

For a review of debt relief alternatives to bankruptcy in California and to get a free debt relief analysis along with a savings estimate, simply answer a few questions online.

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Creditors calling?

When you're falling behind with credit card debts and creditors are calling – it feels great to know that there's a debt program to lower your payments and get you out of debt much faster than you ever imagined.
Who we're helping right now...
$30,000 debt relief savings estimate
– Grand Rapids, MI

Unexpected bills

Credit card debts and unexpected medical bills can put you in a real bind. Fortunately, debt relief plans can reduce interest rates, lower monthly payments, and help you get out of debt faster.
Who we're helping right now...
$30,000 debt relief savings estimate
– Grand Rapids, MI

A brighter future

When you work hard to provide a bright future for your children, you don't want high interest credit card debts to get in the way. You need a proven path to become debt free as quickly as possible.
Who we're helping right now...
$10,000 debt relief savings estimate
– Las Vegas, NV

Debts piling up

When you own your own business, it's easy for credit card debts to become a problem – bills piling up, creditors calling, and you need a way out. The good news is, debt relief can help you save money each month and take control of credit card debts.
Who we're helping right now...
$90,000 debt relief savings estimate
– Bronx, NY

Supporting a family

Credit card debts can add up quickly, especially when families run into unexpected expenses like medical bills, or loss of a job. The good news is there are credit card debt hardship programs that can help you.
Who we're helping right now...
$35,000 debt relief savings estimate
– Georgetown, MA

Financial hardships

When you go through tough times and credit card debt start closing in on you – it feels good to know there are debt hardship assistance programs to help you get back on track.
Who we're helping right now...
$20,000 debt relief savings estimate
– New York, NY

Retire debt free

When you're planning for retirement, paying monthly credit card minimums will get in the way of your dreams. The good news is, credit card companies may be willing to reduce your interest rates, waive late fees or even resolve debts for much less than you owe.
Who we're helping right now...
$50,000 debt relief savings estimate
– Tucson, AZ