Debt Settlement
Negotiate unsecured balances down to less than you owe.
ExploreSee every alternative before you file
Bankruptcy is sometimes the right answer, but it should never be the default. We model Chapter 7 and Chapter 13 alongside every alternative so you can choose with the full picture in front of you.
In plain terms
How bankruptcy and alternatives actually works
Alternatives such as settlement, management plans and consolidation avoid a public court record, keep assets out of the process and usually let credit recover sooner. For many people with steady income and mostly unsecured debt, one of them is the better choice.
For others, filing really is the right tool, for example when debt is many times annual income or foreclosure is imminent. When that is the case, we say so plainly and refer you to a qualified bankruptcy attorney.
A good fit if
- Your debt is mostly unsecured and under roughly $100,000.
- You have steady income that covers living costs with some margin.
- You want to protect assets that a filing might put at risk.
- Your profession or licence would be affected by a bankruptcy record.
- You could clear the debt within about five years under a structured plan.
Probably not right if
- Your debt is many times your annual income with no realistic repayment path.
- You face foreclosure or repossession that an automatic stay would halt.
- Wage garnishment has already pushed income below living costs.
- Most of the debt cannot be negotiated and no alternative can reach it.
Step by step
What happens, in order
- 01
Honest position review
We look at every debt, asset and source of income to understand where you really stand.
- 02
Model each route
Chapter 7, Chapter 13 and each alternative, compared on cost, timeline, credit effect and risk to assets.
- 03
Straight recommendation
You get a clear recommendation in writing, including when filing is the better option.
- 04
Referral where appropriate
If bankruptcy fits best, we refer you to a qualified attorney rather than sell you a program.
Honest comparison
The upside, and what it costs you
Every route has both. Anyone showing you only the first column is selling something.
| What it gives you | What it costs you |
|---|---|
| Alternatives avoid a public court record | They require sustained income and discipline |
| Assets a filing could expose stay protected | They take years rather than months |
| No effect on professional licences or clearances | No automatic stay to halt legal action |
| Credit usually recovers faster than after a discharge | Not every situation can be solved without filing |
What it costs
The review and written comparison are free. If you choose an alternative, its own fee structure applies and is shown in writing first. Bankruptcy attorney fees are set by the attorney.
How long it takes
The review takes one conversation. Alternatives typically run two to five years; Chapter 7 usually concludes in a few months and Chapter 13 runs three to five years.
Questions
Bankruptcy & Alternatives FAQs
Is bankruptcy ever the better choice?
Yes. When debts far exceed what you could repay, or you need an automatic stay to stop a foreclosure, filing can be the right tool. We tell you when that is the case.
How long does bankruptcy stay on my credit report?
Chapter 7 can remain for up to ten years and Chapter 13 for up to seven. Alternatives usually leave a shorter-lived mark.
Are you a law firm?
No. We do not give legal advice or file bankruptcy cases. Where filing fits best, we refer you to a qualified bankruptcy attorney.
Client reviews
What bankruptcy & alternatives clients said
Sample reviews for layout. Replace with live Google reviews before launch.
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