Debt And Credit Counseling Services

Filing for bankruptcy and credit counseling are the two main solutions for serious debt problems. When you're seeking to escape from debt, it's important to learn as much as possible about the debt relief programs that are available to you. Without an understanding of your personal circumstances and the benefits of each debt-free solution, it's not possible to make an informed decision regarding how to proceed.

What Unsecured Debts Can I Discharge?

Most forms of unsecured debt can be eliminated through non profit debt counseling services or personal bankruptcy. However, section 523(a) of the bankruptcy code excludes certain debts from inclusion in your agreement. These include child support, alimony payments, student loans, tax liens, fines from government departments, fraud debt and money you owe due to injury lawsuits.

Should I File for Bankruptcy to Escape from Debt?

Known as liquidation bankruptcy, you're able to write off most unsecured debts in just 4 months. In the 12 months ending 31 December 2010, a total of 1,100,116 people chose to file Chapter 7. The 2005 Bankruptcy Abuse Prevention and Consumer Protection Act was introduced to prevent people from discharging debt when they're able to offer a full or partial payment to creditors.

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