I am currently enrolled in a debt solutions program but I have been starting to receive letter from lawyers regarding my balances. Should I be worried and if so should I consider bankruptcy?
Over the past 20 years I have heard this problem several times. The only debt solution program that is guaranteed to work is either a chapter 7 or a chapter 13 bankruptcy. Often times the first several payments sent to many of these debt solution companies end up paying the fees due to the debt solution company. The actual creditors lose interest and end up suing. My advice to you is to seek immediate advice from a competent bankruptcy lawyer.
