Looking for debt advice and to avoid bankruptcy if possible.

With a pending foreclosure, a collection lawsuit, a vehicle repossession and additional unpaid bills – you have a lot going on! The best debt advice I can give is to speak with a bankruptcy attorney local to you, or call the debt relief hotline at 800-939-8357 and choose option 3 to connect with a bankruptcy professional.

There are strategies you can use to prolong collections in order to raise cash to settle debts and other alternatives that could help you to avoid filing bankruptcy. But when you say it is a struggle to make basic utility bill payments, raising the cash needed to resolve your issues may not be an option.

Bankruptcy could help delay the foreclosure and would stop collection actions on other debts. Chapter 7 bankrutpcy, where your debts are discharged, would provide the relief you need and a fresh start.

More direct to your questions about our brand of debt advice and fees.

How long it would take to navigate your issues by becoming a CRN member would be determined by where you live, who you owe, how much debt you have to deal with, how long it has been since you paid, how much money you have to work with right now and also what amount of money you can raise over time?

The results and costs of your efforts in working with a CRN professional will vary based on the above items. We can certainly provide you an estimate, but would need to know more details before doing so.

All things considered, professionals available through CRN charge fees that are typically the lowest in our industry.

What you pay depends on whether you are going to negotiate debts on your own with coaching and support, or want someone to handle all of that for you. You will work with a network professional in order to come up with a workable strategy to avoid bankruptcy (if indeed an alternative makes sense). If we can assist you with implementing a plan there will generally be supplemental education and information you will need that is specific and unique to you. If you ultimately need or request direct negotiation services in order to settle debts, we have network partners that will provide that to you at 15% of what ever they save you.

If you are exclusively a do it yourself with coaching customer, we all offer a money back satisfaction guarantee, so you risk nothing by becoming a debt settlement coaching customer. You will learn a great deal and be better prepared to move forward with the right solution for you. Having said that, the little information you provided suggests good debt advice should include you speaking with a bankruptcy attorney first. If you learn something that makes you pause in proceeding with bankruptcy, you can learn more about how our CRN professionals.