Bankruptcy Alternatives

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Alternative Financing Sources
Directories and informational articles to help people with bad credit obtain a
mortgage, foreclosure loan, commercial loan, auto loan, after bankruptcy loan, personal loan, unsecured or secured credit card.
and

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Many attorneys automatically put their debtor clients into bankruptcy without exploring alternatives. I have included below FAQs to introduce information about workouts, bankruptcy and other options. No matter which you decide fits your needs, doing any will be a major decision in your life. A decision best made with all possible avenues thoroughly explored beforehand and after consultation with an experienced attorney.


Mory's Desk, Please sit down.  Thinking about bankruptcy?  Maybe bankruptcy is right for you, maybe bankruptcy is not he right way to go and a debt workout would be best. There exist many options and alternatives to filing bankruptcy. This site will help you decide if filing a bankruptcy, doing a debt workout, doing nothing or paying your debt in full is the right way to deal with the money you owe your creditors. Debt and bankruptcy are serious issues.  Read all of the FAQs that you can.  Good Luck!

DEBTOR'S OPTIONS

by

 


Mory Brenner, Esq.

Hello! Welcome to my Internet Office. I'm not in right now but please sit down and get comfortable. Stay as long as you like, there will be no charge for this visit. I have attempted to anticipate your concerns and provide many free answers for you. Thinking about bankruptcy? Maybe bankruptcy is right for you, maybe bankruptcy is not the right way to go and a debt workout would be best. There exist many options and alternatives to filing bankruptcy. This site will help you decide if filing a bankruptcy, doing a debt workout, doing nothing or paying your debt in full is the right way to deal with the money you owe your creditors. Debt and bankruptcy are serious issues. Read all of the FAQs that you can. Good Luck!


PRELIMINARY ISSUES:

Lifestyle and Personal (debt and depression)
Real Property and Other Hard Assets
Initial Late Mortgage Payments
Serious Late Mortgage Payments
Foreclosure
Cash, Stocks, IRAs and Other Soft Assets
Secured vs. Unsecured Creditors
Credit Rating



DEBTOR'S OPTIONS:

DEBT WORKOUT (credit card & unsecured debt)
DEBT WORKOUT (mortgages & secured debt)
Bankruptcy (bankruptcy vs. non-bankruptcy options)
Do Nothing (credit card & unsecured debt)
Deed In Lieu Of Foreclosure
Do Nothing (home foreclosure)
Pay Creditors in Full

Debt Consolidation Loan
Non-Profit Credit Counseling
Credit Card Balance Transfer


SPECIAL TYPES OF DEBT:

IRS Tax Debt
Student Loans - Consolidation Outside Of Bankruptcy
Student Loans - Discharge In Bankruptcy
Certain Cases of Debt On A Fixed Income


ACTION STEPS:


Self-Evaluation questionaires and articles to help decide if a debt consolidation loan, credit counseling, debt settlement or bankruptcy matches your personal debt situation.

Debt Consolidation / Debt Settlement Program - Consolidate your credit card and unsecured personal debt with a program to settle balances for 30-50 cents on the dollar. Make monthly payments toward the total settlement over a period of years. Free initial consultation. Learn more and see if your situation fits the program online.

A Guide to Borrowing Money with Bad Credit - Including informational articles on obtaining a home mortgage, auto loan, credit card or unsecured personal loan.

Credit Card Debt - Online guidance to understand your debt and consumer spending habits in order to evaluate the credit card debt solutions and pick best debt relief for you. See 10 common causes of bankruptcy so you can avoid them.

Credit Cards For People With Bad Credit - Read either informational articles on obtaining any type of bank card or credit card with bad credit, including a definition of what is bad credit or look at a complete set of FAQs dealing secured credit cards.

Credit Repair and Credit Rebuilding - Credit repair and credit rebuilding article. Topics include how to repair your credit and warnings about credit repair scams. Links to other credit repair sites and professional credit repair services plus my own Free Guide to Help Repair and Rebuild your Credit Report. For more credit help try 14 Do's and Don'ts To Raise A Score Fast or the Credit Score FAQ.

Who to pay when you can't pay everyone - An article addressing cash allocation for debtors in personal financial trouble about which bills to pay either from limited personal money on hand or emergency savings.

How to Get money when you need money - Examines WHEN you really NEED money and how to get money even with bad credit for an emergency or financial crisis.

Stop Home Foreclosure Help - Articles to better understand the foreclsoure process and how to avoid a foreclosure including an interactive tool to analyze your own situation and point you in the right direction to keep your home, a list of various ways to halt a foreclosure including short sale and deed in lieu of foreclosure, a list of 10 mistakes to avoid when facing foreclosure, evaluating mortgage modification companies and avoiding scams, the loan modification process and modification company expectations, foreclosure myths and free do it yourself foreclosure prevention for those with the right circumstances.

Personal Home Budget Analysis - An interactive tool to learn where your money REALLY goes. Input your income and expenses, the program will automatically determine if you have accounted for all you have spent. When you have discovered all your expenses you will be know the details of any overspending. Use this information to help plan and keep a monthly budget or change spending to avoid further debt or bankruptcy.

Bankruptcy Questions - Find all the bankruptcy information you might be looking for about both chapter 7 bankruptcy and chapter 13 bankruptcy including chapter 7 vs chapter 13, what does a chapter 13 do, who should file a chapter 13, what happens after chapter 13 bankruptcy dismissal, how to find a bankruptcy attorney, hiring and working with your bankruptcy attorney, bankruptcy myths, a chapter 13 calculator and much more.

IRS Debt Settlement -
Settle tax debt with the Internal Revenue Service.

Commercial Debt Settlement -
Settle business debts and some tax debt for pennies on the dollar.

Online Loan Tools - Your credit report in 30 seconds for $16, loan calculator & online mortgage application form.


Sponsor Links

              Solve debt problems with an interactive home budget tool    



Other Web Sites Edited by Mory Brenner, Esq.:

Debtor Links
Sites for debtors answering bankruptcy questions(including my own Chapter 7 or Chapter 13 FAQ), federal exemptions, state exemptions, workouts, credit counseling, IRS, credit rebuilding, and more! US, UK and Canada. 


Alternative Mortgage Sources USA
Links to residential lenders and mortgage brokers throughout the United States offering loans to borrowers with credit problems, bankruptcy or foreclosures on their credit report. Apply On-Line service available.

Alternative Finance Sources USA -Car Loans
Links to lenders and finance companies throughout the United States offering refinancing, new or used car loans to borrowers with credit problems, bankruptcy or foreclosures on their credit report. Includes a guide to bad credit auto loans, help for buying a new or used car and a nationwide used car search engine.

Alternative Finance Sources USA -Commercial Lending
Links to lenders and finance companies throughout the United States offering mortgages, refinancing, equipment leasing, or other loans to commercial borrowers with credit problems, bankruptcy or foreclosures on their credit report.

Alternative Finance Sources USA -Credit Cards
Links to lenders and credit card companies granting credit cards to those with credit problems, bankruptcy or foreclosures on their credit report. Debtors-Please use this page to help rebuild your credit, not incur more debt! For a menu of credit card offers and application forms for good credit and specialty credit cards click here.

New Home Buying Course
Free online new homebuyer education class. Chapters include budgeting, choosing a realtor, choosing the home, mortgages, closing and maintaining the new home.



Didn't find the topic you wanted? Try an internal search of the debtworkout.com domain.
If you still can't find an answer go to the contact page.


Nothing contained herein should be construed to constitute advice for your personal circumstances. This is intended as a peripheral exposure to the various options available, but by no means is this a comprehensive or exhaustive analysis of the bankruptcy laws or their alternatives. Whether or not you should file a Chapter 7, Chapter 13 or any bankruptcy, will vary depending on your personal circumstances and should only be undertaken after careful consideration, analysis and after consultation with an attorney experienced with such matters. These pages may contain information and rules peculiar to the Commonwealth of Massachusetts.

This material may be considered advertising under the rules of the Supreme Judicial Court of Massachusetts. Web site design by Mory Brenner. This page, and all contents, are Copyright (C) 2011, all rights reserved, by

Financial Firebird Corporation 150 North Street Suite 40, Pittsfield, Massachusetts 01201.


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