I thought of taking the help of this forum for my friend Carolyn who had already filed Chapter 7 bankruptcy bankruptcy from credit card debts about 2 years back. She is again facing problems with her personal loans. She is wondering whether or not she can file a Chapter 13 bankruptcy. How soon can you file Chapter 13 or 7 after Chapter 7?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.