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After October 17, 2005, a lot of people are going to become interested in debt settlement as an alternative to bankruptcy

credit debt repair settlement

credit debt repair settlement

After October 17, 2005, a lot of people are going to become interested in debt settlement as an alternative to bankruptcy, christian for debt settlement That's the date the new bankruptcy law goes into effect, and it means a rude awakening for many consumers seeking a fresh start in bankruptcy court, christian for debt settlement It used to be that 7 out of 10 people filing personal bankruptcy were granted Chapter 7 status, where the unsecured debts are totally wiped away, christian for debt settlement That will change under the new rules, christian for debt settlement If your income is above the median for your state, or you can pay back at least $100 per month toward your debts, then you'll be turned down for Chapter 7, christian for debt settlement Instead, you'll be shifted into Chapter 13, where you pay back a portion of the debt over 3-5 years, christian for debt settlement It gets worse, christian for debt settlement When the court calculates your allowable living expenses, it will use the approved IRS schedules, not your actual documented expenses, christian for debt settlement So even if you don't think you can pay $100 a month or more, the judge will probably disagree, christian for debt settlement Instead of a fresh start, many people will be faced with the grim reality of a harsh 5-year plan, on a court-mandated budget that forces them to adopt a much lower standard of living, christian for debt settlement That's where debt settlement starts to look pretty attractive, christian for debt settlement Yes, I know debt settlement has its critics, christian for debt settlement I've criticized aspects of the industry myself, christian for debt settlement But what the critics don't seem to understand is that this approach is for people who would otherwise go bankrupt! Let's examine the three main complaints against debt settlement and see where the critics are missing the mark, christian for debt settlement "Debt settlement has a negative impact on your credit score, christian for debt settlement" Wow, christian for debt settlement Big deal! Pretend it's two years from now, christian for debt settlement Would you rather have an A+ credit rating or be totally free of debt? Pick one please, because you can't have both, christian for debt settlement All debt reduction programs have a negative impact on credit scores, christian for debt settlement That's why only people who truly can't keep up with their bills should go into one of these programs, christian for debt settlement But it's pointless to worry about your credit while you're bein

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