Both types of bankruptcy offered to consumers represent a severe negative impact on your credit rating for 7-10 years. Almost all applications for employment, home loan or personal loans ask the question, "Have you ever filed bankruptcy?" This question can haunt you for the rest of your life. It is a federal offense if you do not answer correctly. Bankruptcy laws have now changed and took effect in the month of October, 2005. The new laws make it more difficult to file Chapter 7 bankruptcy. What this means to you is, the only other option is Chapter 13 which means the court system and judges are in charge of your finances.

YOU LOSE CONTROL OF YOUR LIFE. With a Chapter 13 filing, you may end up paying 25-75% of your debts. This is truly a "last resort".
Bankruptcy should be avoided if at all possible!

The Bowler Group can legally help you from having to file for bankruptcy. To qualify for our debt relief service, you must have at least $7500 in unsecured debts such as major credit cards, store credit cards, gas cards, student debt, unsecured loans, or medical debts. We provide a better debt relief alternative than filing for any type of bankruptcy protection or credit counseling services. Your only legal alternative without filing for bankruptcy is  to hire The Bowler Group to negotiate a payoff with each of your creditors. Debt Settlement with The Bowler Group is an effective legal method for most anyone who has at least $7500 in outstanding unsecured debt. 

Our Debt Settlement plan involves negotiating a payoff for each unsecured debt you have, and then, setting up a payoff plan to eliminate your debt between 12 and 36 months. For example, let's say you are $20,000 in total debt. A trained debt specialist will contact each of your creditors to negotiate a reduced payoff on your behalf. In most cases we can reduce your debt by as much as 40% to 60%

Obviously, if you could pay $10,000 over a 36 month period to settle a $20,000 debt, it would be a no-brainer for most people. This is what we do everyday for our clients. Why don't you become one today?