Bankruptcy refers to a situation where a person can no longer meet their debt obligations.
Whether before or after a person files for bankruptcy they may be besieged by offers to help clean up their credit report and receive offers of consolidation loans to get them out of debt. Many advertise to offer repair services for credit reports to help people get the credit they deserve. The trouble is many of these advertisements are making promises that the company cannot legally keep. If you are thinking about filing, you need to get bankruptcy help to assist you in this important process.
Information on the credit report that is old or inaccurate can be removed from the report, and contacting the credit bureau with the correct information can have it removed without outside help. Accurate information on the credit report will not be removed regardless of the promises made. Most companies make these promises and after removing a few of the old items on the report, walk away with not offering any real help.
A person who is already in financial trouble may fall for the idea of taking a second mortgage on their home to consolidate their bills and take care of a lot...
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