Let me handle the debt collectors and help you avoid bankruptcy. Bankruptcy can stay on your record for up to 8 years or more, lowering your credit score and making it almost impossible to buy a house, rent an apartment, or even secure a job. Instead of facing these long-term consequences, purchase my plan, and I will:

• Send a letter to your creditors to open negotiations.

• Make follow-up phone calls to negotiate down your debt.

• Reach a final settlement amount that works for you.

• Provide budgeting advice and practical financial hacks to help you stay on track.

Let’s explore better solutions and get you back on track without the long-term damage to your future.