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There are several types of bankruptcy available to individuals.  The most favorable type (Chapter 7 bankruptcy) clears the consumer of any obligation to repay the unsecured debt that's being eliminated. It is the mostinexpensive of all the options available to consumers dealing with debt. Bankruptcy does stop creditors calls as well calls from banks. Another option is a Chapter 13 bankruptcy. With Chapter 13, some of your debt will still need to be repaid. With a Chapter 13 bankruptcy, consumers have the option of setting up a long-term repayment plan with the Bankruptcy Court.  In some cases, the amount you owe may be reduced.

Invalidation is your next least expensive option. Invalidation also stops creditors calls due to the fact that every call while an account is in the validation process is a federal violation and the collection agency is subject to fines.


Due to changes in bankruptcy laws, most consumers wont be able to qualify for Chapter 7 bankruptcy. Additionally most tax debt and federal student loan debt will not qualifyfor Chapter 7 bankruptcy. Chapter 13 takes longer to complete than a Chapter 7 bankruptcy.  As with any bankruptcy, both Chapter 7 and Chapter 13 bankruptcy will tarnish your credit for 7 years. This means that you will not be able to qualify for loans or extended credit for that period of time. What many bankruptcy companies don't tell you is the additional cost to you when you are able to get a loan or a credit card. There are often significantly higher interest rates and terms which end up costing you much more money in the future

Invalidation programs are much easier to qualify for. Additionally there are no long term effects on your credit. With credit restoration you are lendable in 24 months. This is accomplished by removing any negative reporting by third party collectors from your credit report once the accounts are invalidated. Invalidation saves you money in the future since those negative comments are removed, your credit score in much better than with bankruptcy.


If there is a significant amount of equity in your home and if your home is not protected from seizure by your state's laws or the homestead laws, then a trustee may require sale of the home and will absorb the proceeds to pay off your creditors. Any outstanding balances will have to be repaid, even by means of your assets being seized and sold at auction including coins and collectibles, stocks, bonds, and/or a second home/car. If you lack property or any assets of substantial value then you may be required to surrender any excess funds in your checking/savings accounts, Once the terms of repayment have been negotiated, payments are made directly to the Bankruptcy Court which in turn utilizes a court-appointed trustee to disperse the money to your creditors.

Invalidation does not put your home at risk of sale. There are no assets at risk of seizure. We legally get the accounts invalidated so the creditor has no right to obtain your property.