Right now, many American consumers are struggling with surging debt. As such, more and more people are filing for bankruptcy and subsequently lessening the previous stigma around it. And with good reason. There are so many reasons one might find themselves in debt that have nothing to do with one’s character. Whatever the case, Americans […]

Factors for Deciding Which Option is Right for You Debt to Income Ratio: How much debt are you carrying compared to your available income? This is a critical factor.  A person earning $45,000 per year with debts of $20,000 has a big problem because debt settlement will not be feasible leaving bankruptcy as the only […]