I have big debts to pay off.

Hi Edet

Welcome to the forums. You do not require declaring bankruptcy at all when you can take care of your debts through the easy and flexible debt consolidation programs.

You must be aware of the bad affects of declaring bankruptcy. It remains in your credit report for as long as 10 years and creates financial difficulties in acquiring new credit. The creditors also get an impression that a person who has filed for bankruptcy was unable to repay his debt and has taken this step. Thus, he may not be willing to extend credit to him.

http://www.debtconsolidationcare.com/avoid-bankruptcy.html

Taking care of your debt problems, I suggest you to enroll in the debt consolidation program in the sign up page with this company.

After signing up with this company, you will be able to see the benefits of the debt consolidation program. This program will reduce all the financial charges and/or the late fees accrued in your total debt and you will be required to pay the reduced amount only.

The creditors will be appreciating to work with you in the debt consolidation program as they find you taking this responsibility to clear off the past debt and improve your credit worthiness.

The consultant will offer you some easy repayment options which will be suitable to your present financial position. You will also be offered these repayment facilities in easier monthly installments at lower rate of interest which will help you to substantially reduce the total debt.

Additionally, the debt consultant in this program is trained to offer you budgeting and counseling programs which will be very beneficial for you to keep a check on your finance. You will be able to save a considerable amount of money from your monthly income along with your payments to your debt and thus achieve a debt free life faster.

http://www.debtconsolidationcare.com/signup/

Do let me know if I can offer something more helpful to you.

Regards
Roxette