Chapter 13 Bankruptcy is a payback of debt for a fraction of what is owed, but has long lasting effects of being public record for 10 years. We will do the same without the lasting effect and in most cases can reduce the amount of owed by at least 50% and will not negatively affect your credit nearly as much as the bankruptcy. In addition we will help expedite the raising of your credit score, so that within a year you will return to acceptable levels, FREE CREDIT REPAIR.
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