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Comparing Debt Solutions And Bankruptcy

Debt solutions are bankruptcy are two totally different options. Although both debt solutions and bankruptcy can reduce your debt, they differ in respect to cost, time and the amount of debt that you can eliminate. In case you are in a place wherein you are required to choose between the two, you will first need to understand how each one works before you can make the choice.

Understanding Debt Solutions: It is a method wherein you reduce the amount of debt that you need to pay your creditors. When you stop making payments to your creditors, you will need to contact a Debt Solution Company and send them money each month which they will in turn put in a savings account. After a certain amount of time, they take a chunk of your money and approach your creditors on your behalf looking to settle your debts. The Debt solution companies do the negotiation for you and try and get your creditors to settle your debt for a fraction of what you own. As you can always file for bankruptcy, your creditors will also be eager to negotiate a deal.

Understanding Bankruptcy: There are several types of bankruptcy, the easiest of them being personal bankruptcy where you complete the required paperwork and file it with your nearest bankruptcy court. Within a few months of you filing for personal bankruptcy, your unsecured debts will be totally wiped out. In order to qualify to file for bankruptcy, you should not make too much money. This is verified and you pass the test if your income is less than the amount set by the state for a household of your size. Another way that you can qualify for personal bankruptcy is when you don’t have enough disposable income after your expenses are taken care of. But then like everything else the catch that comes with bankruptcy is that you must give up your property.

Both Debt solutions and bankruptcy are different emotional experiences for people.

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