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My Dear Fellow Respected U. S. Citizens:

As I put pen-to-paper herewith standing I hope this book will help educate you in your decisions by better understanding your rights pertaining to bankruptcy.

So lets get started.

To File Or Not To File For Bankruptcy Protection:

Before taking into consideration bankruptcy protection you might consider talking to your creditors. They may work with you and resolve your account issues by accepting less payment or settling the account for a smaller amount, or both.

It is always better to make an effort to discuss a possible settlement with a creditor, especially if you’re only talking about a few financial accounts.

They are companies that can do the negotiating for you if you feel you do not want to talk to the creditors; Personally I don’t blame you, “it can be a hard thing to do”.

If you decide on such a third party service, beware of scams! Some companies advertise they will negotiate on your behalf, collect up front fees and monthly payments from you so they might pay your creditors.

I would stay a way from companies that advertise they are non-profit organization and can reduce debt up to 50%. Some are legit; others collect the monthly amount from you and not pay your creditors. Just do some background checking like Better Business Bureau if you decide this is best for you. In my opinion an attorney may do a better job and cost you far less.

If you decide to negotiate with the creditors and can afford to pay them, you may not need to read this book and avoid - bankruptcy.

HOWEVER if you discover you can no longer make payments to all or just some of your creditors, then protection from a bankruptcy might be for you.

If you have to make a decision which to pay first the rent/ mortgage, utilities, food or credit card “which would come last, or not at all”.

Filing for bankruptcy maybe the right decision for you.

What do you think will happen if you’re to say to a creditor “I’m filing for bankruptcy protection”?

Now What?
I’ll tell you what!
You need to read this book!

This book may help find an attorney “who may better advised you”.
This book may help you to “file the bankruptcy yourself”.
In short this book may “help you make the right decisions”!

Chapter 1 - How Does Bankruptcy Work?

Chapter 2 - How Does Filing Bankruptcy Help You?

Chapter 3 - How Hard Is It To Declare Bankruptcy Protection?

Chapter 4 - Which Of The Bankruptcy Types Is Best For You?

Chapter 5 - What is The Bankruptcy Means Test?

Chapter 6 - Does A Bankruptcy Wipe Out Judgments?

Chapter 7 - What Do You Keep When Filing Bankruptcy?

Chapter 8 - Can Bankruptcy Stop Foreclosure?

Chapter 9 - Does Bankruptcy Stop Garnishment Of Wages?

Chapter 10 - Does A Bankruptcy Affect Private Student Loans?

Chapter 11 - How Does Bankruptcy Affect Tax Returns?

Chapter 12 - Will I Lose My Car Due To Bankruptcy?

Chapter 13 - Filing Bankruptcy Your Self

Chapter 14 - What Does A Bankruptcy Lawyer Do?

Chapter 15 - How Much Does A Bankruptcy Lawyer Cost?

Chapter 16 - How To Find A Decent Bankruptcy Attorney?

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