Credit counseling, debt settlement, or debt relief programs better for my credit than Chapter 7 bankruptcy?

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Debt settlement can take years, and your credit usually does not improve much during that time.

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What is the Chapter 7 bankruptcy Means Test?

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The Means Test is an eligibility criterion for Chapter 7 bankruptcy. If you do not pass the Means Test, you do not qualify for a Chapter 7 Bankruptcy.

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Is Chapter 7 bankruptcy better for my bank account than credit counseling, debt settlement, or debt relief programs?

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Let’s examine how debt settlement programs have generally worked for these credit or debt programs.

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If I file Chapter 7 bankruptcy, can I keep my house and car?

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In the past, you didn’t need to be overly concerned about losing everything. But whether you can keep your house and vehicle has become more complicated in 2022.

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