Which is best path for you? Even I can’t advise you on an appropriate path until I look at your overall financial and credit situation.
Except for one… Debt Consolidation (Debt Management) Firms will RUIN YOUR LIFE! Written in 2013, I still stand by this article.
Bankruptcy (BK) Laws were made to give people a path to reset. My clients don’t go to BK unless I send them that direction. Chapter 7 is the only one I will consider. There are too many options to consider over a Chapter 13.
A majority of BKs in this country are due to Medical related expenses; hence ObamaCare. However, other circumstances can also be considered the appropriate path. See this article for more information.
Credit Repair requires no knowledge of how the credit world actually works. There are a lot of books written on the subject by equally clueless folks out to sell books. The misinformation and strategies taught will help maybe 30% of those looking to improve their credit scores, and I’m being generous here. Simply disputing the records at the credit bureaus will not work most of the time.
Credit Improvement Technologies used at Austin Credit Group were developed with an Engineering Mindset, and continues to get tweaked as things have changed over time. There is no “One Size Fits All” as many of our Templates under go many revisions to accommodate the specifics of a challenge. Our Credit Improvement Programs makes the Credit Repair Industry look like they are sitting on their hands. To see what is the difference go to this link.