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What are the Benefits of Bankruptcy?

How it can help you in More Ways Than One

The government designed bankruptcy as a feasible tool for Americans to use in times of financial crisis. Many people, unfortunately, view bankruptcy as a dreaded remedy that should be avoided at all costs. While it should not be the first solution that you utilize, it has helped millions of people eliminate most, if not all of their debt and put an end to their financial crisis. Over 1.5 million Americans filed for bankruptcy alone in 2010, California in particular had a high number of filings. So don't let the misconceptions and falsehoods that you hear about bankruptcy keep you from getting the relief that you need.

Put an end to Creditor Abuse

When you are late or delinquent on your payments, many times creditors will overload you with calls, try to reach you on your personal cell phone, send consistent collection letters in the mail or maybe even try to reach you at work. Creditors many times cross over personal boundaries and violate your rights by calling you in the early morning or late at night when they are only allowed to call between the times of 8 a.m. and 9 p.m. For those of you that are all too familiar with this, there is hope. Once you file for bankruptcy you are then protected under U.S. code Title 11 section 362 by the "Automatic Stay." Once this is in effect the creditors are not allowed to harass or even contact you looking for payment and if they are found in violation of this then they may be penalized.

Avoid a Foreclosure

Have you considered bankruptcy as a solution to fighting foreclosure? If your house is at risk don't just stand by while the bank is foreclosing on your home. First off, you should get a bankruptcy attorney involved as soon as possible before you situation becomes dire and your situation spirals out of control. Now would be a good time to begin negotiating with your lenders and looking into a loan modification. You could also file for Chapter 13 bankruptcy which would put a stop to the foreclosure and give you the opportunity to speak with creditors and come up with a new repayment plan giving you up to five years to pay off your debt.

Enjoy a Fresh Start

Have you been drowning in your debt? If you are in over your head you should be made aware of all your options. By filing for bankruptcy you may be able to discharge most, if not all, of your debt. If it helps you experience the joys of financial freedom then why not take advantage of it? Yes, bankruptcy does stay on your credit history for 10 years but you are able to receive credit form multiple companies during that period and rebuild your credit after 2-4 years. You will be able to apply for secure credit cards, take a loan if needed and finally prove to creditors that you are a responsible debtor who can their manage their finances.

Live at Peace Again – Debt Free

Do you and your spouse stress over finances? Are you worried that you will not be able to pay next month's rent? Money can be a dividing issue between family but don't let it come in between you or strain your relationships any longer. With Chapter 7 bankruptcy you are able to eliminate a good amount of your unsecured debt including your student loans, credit card debt and past due medical bills. These debts can be fully forgiven and never have to be paid back. Now with the root of your problem eliminated, debt should no longer wreak havoc in your life. Now you can enjoy each other's company once again and focus on the more important things in life.

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