Debt Consolidation



	FILING BANKRUPTCY

	CHAPTER 7 BASICS

	CHAPTER 13 BASICS

	FREE DEBT EVALUATION

	BANKRUPTCY VIDEOS

	BANKRUPTCY BLOG

	BANKRUPTCY FAQ'S

	BANKRUPTCY RESOURCES

	CLIENT TESTIMONIALS

	CONTACT US

SITE MAP

Our Goals Are Your Goals.

• Our goal is to help you and your family get free from the burden of debt.
• Our goal is to help you lower your monthly payments enough for you to live on what you earn.
• Our goal is to help you get rid of the stress caused by too many bills.
• Our goal is to help you and your family get back on your feet.
• Our goal is to try to put the smile back on your face and the spring back into your step.
• Our goal is to help you get into a position where you can — once again — look with hope to the future, sleep peacefully at night, and not worry about the bills.

Debt Consolidation: What is it?
Debt consolidation, with debt councilors, is where you what you owe for credit card debt and other liabilities and let one company distribute your one payment to all of your creditors.

The debt-reduction process with an outfit like Consumer Credit Counseling Services , Ameridebt, and other businesses like those takes years to complete. Note: You will only get closure on debt consolidation if you make all of your payments — and if the debt-consolidation company really does give the money to your creditors.

Does debt-consolidation bring — certain — closure?
Can you repair debts this way? Just because you sign a contractual commitment for debt consolidation does not mean that your money troubles are behind you. In fact, Second Start Lawyers hears client after client tell us they tried credit counseling or debt consolidation, but got so frustrated wit the process they had to stop.

If you start a debt-consolidation plan hoping to finally end that frustrating chapter of your life, chances are you will only drag it on for months and months — even years. If you are really wanting certain closure, consider a Chapter 13 Bankruptcy.

Only an attorney has a professional duty to give you the straight advice about what is in your best interests.

CONTACT AN ATTORNEY NOW TO FIND OUT WHAT'S BEST FOR YOU

Dangers and Frustrations of Credit Counseling:
What can be so aggravating about debt counseling? For starters, these companies are not on your side. They are in business to make a profit, which is all fine and good. However, unlike an attorney, there is no duty to advise you to do what is in your best interests. A bankruptcy lawyer must represent you — the client — and counsel you with your best interests in mind. No such official duty exists for a paralegal or credit counselor.

Also, do not let the deliberate perception that a debt-counseling company is a "non-profit organization" fool you. There is recent news about these businesses getting in to trouble because the Internal Revenue Service (IRS) and Federal Trade Commission (FTC) are investigating, and have recently cracked down on these companies who are accused of lying about their true profit structure just to get tax breaks — and your trust. The reality is many debt-consolidation companies are funded directly by the credit card companies that you want to get rid of. What kind of advice do you suppose you'll get from them?

Also, many frustrated debt-consolidation clients come to us after they, unfortunately, first paid lots of money into these schemes and never saw their balances go down. After months — even years — of providing the debt-consolidation companies with thousands of dollars but not getting any relief, people utilize Second Start Attorneys, realizing the most effective way to wipe the slate clean and getting a fresh start begins with using the services of a skilled and experienced bankruptcy attorney.

Requirements of Debt Counseling
Even if you want to knock your debt down using these companies, you will need to have a regular flow of income that far exceeds the money spent each month on your bills. It does you no good to give them only $45/month to share with all your creditors.

There are income requirements for debt-consolidation companies which many people don't meet. An employee's job is to talk you into signing an agreement with them even if it eats into your rent money. Not because they care about your best interests, but because they may be getting a commission for each dollar they bring in. Only an attorney has a professional duty to give you straight advice about what is in your best interests.

CONTACT AN ATTORNEY NOW TO FIND OUT WHAT'S BEST FOR YOU

USEFUL LINKS:
CREDIT BUREAUS
  • Equifax, www.equifax.com 800-685-1111
  • Experian, www.experian.com 888-397-3742
  • Trans Union, www.transunion.com 800-916-8800

Stop Foreclosure | Debt Consolidation | Firm Overview | Attorneys Profiles | Contact Us

At the Second Start, PLLC law firm, we represent clients Nationwide with headquarters in Michigan and Illinois.

We represent clients throughout Michigan, primarily focused in the metro Detroit area including Alcona County, Alger County, Allegan County, alpena County, antrim County, Arenac County, Baraga County, Barry County, Bay County, Benzie County, Berrien County, Branch County, Calhoun County, CaSs County, Charlevoix County, Cheboyban County, Chippewa County, Claire County, Clinton County, Crawford County, Delta County, Dickinson County, Eaton County, Emmet County, Genesee County, Gladmin County, Gogebic County, Grand Traverse County, Gratiot county, Hillsdale County, Houghton County, Huron County, Ingham County, Ionia County, Iosco County, Iron County, Isabella County, Jackson County, Kalamazoo County, Kalkaska County, Kent County, Keweeenaw County, Lake, County, Lapeer County, Leelanau County, Lenawee County, Livingston County, Luce County, Mackinac County, Macomb County, Manistee County, Marquette County, Mason County, Mecosta County, Menominee County, Midland County, Missaukee County, Monroe County, Montcalm County, Montmorency County, Muskegon County, Newaygo County, Oakland County, Oceana County, Ogemaw County, Ontonagon County, Osceloa County, Oscoda County, Otsego County, Ottawa County, Presque Isle County, Roscommon County, Saginaw County, Saint Clair County, Saint Joseph, Sanilac County, Schoolcraft County, Shiawassee County, Tuscola County, Van Buren County, Washtenaw County, Wayne County, Wexford County.

Illinois, including Chicago, Aurora, Berwyn, Evergreen Park, Galesburg, Gurnee, Homewood, Joliet, Lisle, Naperville, Schaumburg, Waukegan, and all cities within Cook County, DuPage County, Knox County, Lake County, and Will County.

This may be considered an advertisement or advertising material under the Rules of Professional Conduct. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client professional relationship.