Members of the Credit Card Cure Co-op often ask:

Q: What is the difference between debt settlement and bankruptcy?

A: Great question, especially in light of the 2005 changes to the BK laws! In debt settlements, you are effectively doing yourself what an attorney and the courts do for you in BK.

BK may be a better solution for you if you have more and bigger financial distress than simply your credit card debt. It is inexpensive (often free) and super-informative to meet with a local BK attorney to review your situation.

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