As an Asheville bankruptcy attorney, I speak to people daily about the differences between debt settlement programs and filing a bankruptcy case. People enter debt settlement programs with very good intentions: they want to avoid a bankruptcy case. Unfortunately, debt settlement companies overpromise and often spend the bulk of their company’s resources on sales and marketing.
If you are interested in resolving your bill problems without filing a bankruptcy case, I recommend OnTrack Financial here in Asheville, North Carolina. They are the exact type of low-fee, nonprofit organization that the Department of Justice recommends in their blog post above.
I would be happy to give you my take on your best options. Contact me for a free, initial bankruptcy consultation where we can discuss the best alternatives for you.
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