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How to Avoid Bankruptcy

You might be asking what kind of bankruptcy attorney would have a section on how to advoid Bankruptcy. Well this is a bankruptcy resource site. I think any bankruptcy attorney in Michigan ought show you your options. Not only that but if you can advoid bankruptcy you might save us both a lot of time. Rather you are looking for a bankruptcy attorney in Oakland County or Livingston County Michigan you will want to know all your option.

Ok, so you might be saying I have a ton of debt I can't pay. The first thing you need to do if write a budget. Take a good look at what you are really spending. You might be suprised that a life style change could lead to a great deal of resuorces to pay off debt. You might visit www.daveramsey.com.

Or it could be that you don't need to file for bankruptcy at all. Maybe your income is to low and you are not collectable. ANother way to avoid bankruptcy is to settle the debt on your own. You don't need to pay someone to do a debt settlement for you. You can save a couple hundred dollars a month in a coffee can and after a year or so you can call the creditors and offer to settle. This would take some disipline but can be done.

But is you are here looking for a bankruptcy attorney in Michigan to stop a foreclosure I can help with that. Sometimes a Chapter 13 bakruptcy is a better option then a Chapter 7. Of course there are times when the pain has you so beat up that you just can't take another phone call. Or the service of a law suit has finally pushed you over the edge.

Something I always tell people is that bankruptcy only wipes out the debt. It won't increase your income and it won't make the credit card offers stop coming. You can be back in debt 3 month after bankruptcy.

I am not one of those attorneys that hopes you get back into debt so you can refile in 8 years. I do offer my soap box speach about the evils of credit cards for free.