There comes a time in everyone's life where paying bills becomes very difficult and you are living pay check to pay check. If matters further erode, you maybe missing payments and have constant phone calls from bill collectors. This is an unfortunate situation for anyone to go through; however you have options.

You should do everything in your power to avoid bankruptcy as it adversely affects your credit. Options to avoiding bankruptcy include debt settlement programs, or hiring an attorney to negotiate settlement on your behalf. Alo Legal offers debt settlement representation.

For consumers, there are two types of bankruptcy filings; chapter 7 and chapter 13. Click on links below for more information about each.

Chapter 7 Bankruptcy: