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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