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The following article was published in our article directory on February 16, 2010.
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Alternative To Bankruptcy - Avoid the Shame and Suffering for 7 Years Without Credit

Article Category: Finances

Author Name: Stan Simmons

Are you looking for an alternative to bankruptcy? If you are like many shell shocked people with mountains of unsecured debt that they can't pay, you are not alone. Over the past couple of years, the average person has seen their amount of unsecured debt rise an unheard of rates. This has been mostly due to idividuals and families being forced to live off of their credit cards and other credit lines that they have established.

Many people have "maxed" out their credit limits and have found themselves no longer able to use their cards. This has forced them to finally realize what a bad situation they are in. You see, at the end of the day, even if all payments are made on time, a $5,000 credit line will take someone over 15 years to pay back if they make the minimum payment. It would be nice if it could be paid off in one lump sum, however, for most people, even the minimum payment is a struggle.

So, when reality finally sets in, often times, bankruptcy is an option that people will look to in an attempt to "start over". However, what they don't realize is that by filing a bankruptcy, regardless of the chapter, they are pretty much doomed when it comes to their personal credit. Legally, when someone files, the actual bankruptcy can and usually does stay on their credit profile for a period not to exceed 7 years.

Is that a risk you are willing to take? No mortgages, no car loans, no new credit cards, and no emergency loans. Basically, you are a financial outcast! Even perspective new employers these days often take a look at your credit score prior to hiring you for employment. In many cases, a bad credit score, especially a bankruptcy will be cause for you not to be hired.

Above are just a couple of reasons why an alternative to bankruptcy should be considered. Understand though, the alternative that we will discuss here is viable for people who are concerned with their unsecured debt. Things such as mortgages, car loans, or other financial arrangements which are secured with some sort of collateral do not qualify.

The alternative to bankruptcy that I'm talking about is a program that has been established by various non-profit organizations. These groups have over the years, established relationships with just about every major unsecured lender in the country. More importantly, beause they are non-profit, they have struck up a financial arrangement of sorts with the different banks and lenders.

What these organizations do is pretty much "take over" your debt. By doing so, your various lenders give them interest rate concessions, in many cases, the effective interest rate is slashed to 0%. You as the consumer, then pay a substantially lower monthly payment to the non-profit organization who has agreed to take over your debt. Sounds good, right?

The best part is, that everyone is "approved" for this program as long as the debt you need help with is unsecured. So, if you are looking or an effective and easy alternative to bankruptcy, you should get in touch with one of these organizations immediately. Your credit score and your future financial success more than likely depends on it.

Keywords: alternative to bankruptcy

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