Is Bankruptcy The Best Option?

Bankruptcy creates a permanent public record.



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There are other options to bankruptcy.

Financial Rescue

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Bankruptcy should be only the last resort.

Most people seek bankruptcy because they are deep into a financial crisis. The Bankruptcy Reform Act of 2005 made bankruptcy more difficult by instituting a meticulous “means test” that the consumer must undergo and pass before they may be approved to file bankruptcy, and even then approval is uncertain.

Bankruptcy Chapter 7 and Chapter 13 will stay on your credit history for 10 and 7 years respectively, and because bankruptcy happens through the public court system, it remains a part of your permanent public records.  A permanent public record means that after the bankruptcy has dropped off of your credit report, you are required to declare it on any application that asks if you have ever filed bankruptcy. Filing bankruptcy establishes a permanent public record that never goes away.

The negative consequences of bankruptcy are severe, and often lead consumers to learn about debt relief.

Debt Relief offers alternatives to bankruptcy. Debt Relief Programs with Financial Rescue can reduce your principal and help you pay off your balances in just 24 to 48 months with one low monthly program payment that is typically less than what the creditors require. For most consumers this can be an effective way to pay off debts so that you may start planning for your financial future and building wealth.

Disclaimer: Some programs and services may not be available in all 50 U.S. States. The information provided is for informational purposes only. No communication should be considered legal advice. Individual results may vary based on program terms, ability to save sufficient funds, underwriting guidelines, the creditors in your individual profile, and the willingness of creditors to negotiate. Individuals depicted in images and videos may or may not be employees, and some are actors or models, all of whom do not necessarily endorse or support Financial Rescue, LLC. Financial Rescue, LLC, does not assume any debt, make monthly payments to creditors or provide tax, bankruptcy, or legal advice.

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