Consumer Bankruptcy

Even in the nicest parts of our country’s signature metropolitan areas, where citizens don’t come much more upstanding, the lingering economic pain of the ever more disastrous recession has led almost every single American to mull over the potential need for consumer bankruptcy to help their own families discharge or re-structure their most bothersome loan balances. For heads of household that prided themselves on never accepting a hand out or shirking a debt, even learning more about consumer bankruptcy or meeting with a local attorney who specializes in consumer bankruptcy law too often engenders deep pangs of guilt. However, a sudden inability to pay outstanding monetary burdens was why our fore fathers insisted upon consumer bankruptcy as a more humane remedy to the debtors prisons of the old country, and, as happened, our national forgiveness of both the dreamers and the luckless through consumer bankruptcy protection proved to be a spur for both entrepreneurial zeal and the communal blessings of a truly democratic spirit.

It’s a different world, one largely propelled by deficit spending in which practically every resident of the United States holds at least a single Visa or Mastercard – generally, what brought us to the precipice of economic catastrophe, they hold quite a few more – and consumer bankruptcy has never been more necessary for the stability of households across the nation losing the fight against dimming job prospects and the brutal constancy of compound interest rates. Alas, just when Americans most needed the protection of consumer bankruptcy to right domestic budgets, strengthen property values, and prevent wider economic wounds from occurring, our political representatives decided a consumer bankruptcy program which has helped literally millions of our less fortunate citizens turn around their lives would no longer be necessary.

By exploiting the pangs of guilt that most Americans helplessly feel whenever filling out the paperwork for consumer bankruptcy declaration, our Congressional Representatives took the moral duty on themselves to neuter the United States Bankruptcy Code so as to toughen the road of any citizen attempting to declare consumer bankruptcy protection and effectively prevent some of the most deserving heads of household from easing their families’ obligations. In a counter intuitive stipulation that would have been comical if so many hard working men and women hadn’t seen their dreams vanish as a result, the Chapter 7 debt liquidation consumer bankruptcy program shall only be accessible to borrowers earning less than the average income of their state during a period one year before petitioning for consumer bankruptcy in spite of the amount of money that they owe (or, indeed, the reasons behind such debts).

While, in the eyes of the court system, consumer bankruptcy may have been the most responsible option as compared to default and delinquencies, our new global corporations understand a rather different ethos, and contemporary methods of aggressive debt relief mention consumer bankruptcy just enough midst negotiation to inspire concern among the lenders that the settlement clients might be just crazy enough to take a crack at Chapter 7 debt elimination consumer bankruptcy. Though, as has ideally been made clear, consumer bankruptcies aren’t actually in the interest of any American these days – unless our homeless have also maxed out their credit cards and could afford the specialty lawyers necessary to engage the consumer bankruptcy court officials – the enduring hazards of consumer bankruptcy protection permit debt settlement negotiation professionals to haggle down the amount of money due their clientele by more than half. Consumer bankruptcy’s no longer the governmental pledge of a fresh start for every citizen, but at least the memory of consumer bankruptcy still helps borrowers transcend the shackles of unsecured credit.

The decision to reach out for help with your debt is not one that's easy to make. You were raised to "do the right thing", but now it’s nearly unbearable. You struggle along while your creditors are turning up the heat. And now you’re at the point where the late fees, penalties and interest expense make it impossible to keep your head above water.

Ask yourself this. If you could eliminate your debt without permanently damaging your credit, why wouldn't you?

Avoid Bankruptcy

Debt Relief

Bankruptcy is not your only option! Our goal is to help you determine the right course of action for you to take. We will connect you with a debt settlement company today that will help you avoid filing for bankruptcy protection.

Are your finances spiraling out of control? Get the information you need today to stop harassing creditor’s phone calls. Total Debt Relief provides a matching service to connect you with pre-screened Debt Settlement Professionals. These debt management pros will educate you on all of the options available to you to get out of debt. Total Debt Relief helps you make the most informed decision possible so that you can get your financial life back on track.