Alternatives To Bankruptcy

Mortgage Modification

The Homeowner Affordability and Stability Plan, signed into law in February 2009, should allow many more people to stay in their houses and avoid foreclosure. If your loan is owned or controlled by Freddie Mac or Fannie Mae, you have a decent shot at refinancing your mortgage into a fixed-rate, low-interest loan if you are current on your current mortgage and aren't too "upside down" on the property.

Debt Negotiation

Debt negotiation is a process by which a debt settlement company works directly with a consumer's creditors to negotiate a reduced principal balance repayment of unsecured debts.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.