Myth #4: You should try credit counseling before even considering filing bankruptcy.
You should first understand how credit counseling works. Credit counselors work to help credit card companies collect their money from you. It is important to know that they are not your friends and are not on your side.
Credit counselors may be very nice people, but you should know that they are being paid by your creditors to help collect money from you. While they can submit proposals to your creditors, they have ZERO ability to force a creditor to accept their proposal.
In fact, the IRS has disqualified several credit counseling organizations because they turned out to be cleverly disguised collection agencies who were working for the credit card companies.
However, a qualified bankruptcy firm can submit a proposal that allows you to walk away from your debt…and they have methods for compelling credit card companies to accept the proposal submitted. Get help from someone who truly has your best interests in mind…someone who is working for YOU.
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