Many Sacramento residents have come to our office with the intent to save their credit and to avoid filing bankruptcy.  Some have even considered debt negotiation and credit card consolidation.  Unfortunately, the results are mixed at best.  And even if there is some benefits to the debtor, there may still be a reduction in the debtors credit score.

Ultimately, bankruptcy offers advantages over debt consolidation and while an individual’s credit score is usually affected by bankruptcy, in the long run by cleaning up the debtor’s balance sheet and reducing their overall debt, the strength of the individuals credit is usually greatly improved within a few years.

Contact us to schedule your free initial consultation to find out how we can help you.