Let's say that right now, you are paying...or supposed to be paying...$300 on your unsecured bills.   If you qualify for the Debt Buster, you would save $201 per month.  At $500, you save $401 per month.   Let's say you are paying $1,000 per month.  You would save a full $901 per month.  That's  a lot of savings.

You don't want to file bankruptcy, you say.  We understand completely, but with these kinds of savings made possible by the new law, you have to ask yourself this question: 

"How much money am I willing to keep paying each month, just to avoid bankruptcy?" 

And, maybe even more important, you might want to ask yourself about what other more important things...like taking care of your family...are not getting taken care of...in the meantime. 

Like most people, you want to pay your bills and you also want to take care of your family.  What if you can't do both?  Which is more important?  Your family, of course.  Is it time to put the family first?  Is it time to at least see if you qualify for the $99/month Debt Buster program? 

And just think of how much less money stress you would have if all you have to pay is $99 per month.

Saving you money, getting you out of debt, freeing up money for more important things and lowering your money stress is what our new "Debt Buster" program is all about.

Here are some other questions you should be asking:

"What do I get for my $99 per month?"

If you qualify for our $99 per month Debt Buster program, you get 2 huge benefits.  First, you get the right to put all those bill collectors under control.  Second, you get the right to cut clean from all those bills...and it only costs  you $99 per month. 

And...we DO NOT mean $99 per month for each debt.  We are talking about all those bills, lumped together, for one(1) payment of $99 per month.

"What's the total cost of this program?"  

Think about it.  That's probably less than the balance you owe on just one credit card.

And, if you stay in the program to completion, you will get a permanent "discharge" on all these debts.  That is, you will be never have to pay another dime on any of those bills.

And, while you are in the program, the bill collectors have to stop calling.  They also have to stop writing.  Very simply, they have to leave you alone. 

That's what the Debt Buster program is all about.

"How come this is all I have to pay?" 

Because this is a type of bankruptcy, because the U.S. Federal Bankruptcy laws are much more powerful than most people think, and because...when you sign up for a Debt Buster program...you put the full weight of the Federal government behind you.

You may have heard that Congress changed the bankruptcy laws in 2005.  This is true.  What you probably did not hear was that, in some respects, the new laws provide you even more protection and relief than they did in the past.  Our new Debt-Buster program was made possible because of these new law changes.

"Hey!  What about attorney fees?" 

Good question.  The answer is that all attorney fees are already included in your $99 per month payment.  It doesn't get any better than that.   Your creditors are put under control; you get out from under all those bills; and you get an attorney to represent you...all for the one monthly payment of $99.

"What about up-front costs? "

There are some up-front costs.  It adds up to less than $390.  This includes the following: The biggest one if the filing fee, which is $274.  Think of this as a sort of application fee you have to pay to the Bankruptcy Court.  In addition, there are some other costs, such as $10 per person for pulling your credit report, $34 to pay for a required credit counseling certification, and $10 to pull an "online" judgment search (if needed).  In most cases, these additional costs add up to less than $90. 

That's it.  If you qualify for this program, that's all you pay up-front.  Think about it.  More than likely, the up-front costs are less than 1 month's worth of what you are already paying right now on just your credit cards and personal loans. 

After you pay the up-front costs, your case is filed.   After that, it's just $99 per month.

"What about a guarantee?" 

"What if I want to get done with these debts even sooner?" 

You can.  We also offer a $199 per month version of the Debt Buster program.   The $199 version not only gets you done sooner.  It also saves you an additional $300.

"How do I find out if I qualify for a Debt-Buster program?" 

Disclaimer: Our Debt Buster programs are hybrid versions of Chapter 13 filings under the U.S. Bankruptcy Code, made possible pursuant to the new law changes that became effective on 10/17/06. A non-exclusive list of benefits and qualifications is set forth on the website which can be accessed by "clicking here".  More detailed qualifications are set forth in a document entitled "Debt-Buster Plan Agreement", which must be signed by every new client before the client's case is filed with the U.S. Bankruptcy Court.  A copy of said document is set forth on this website and can be accessed by "clicking here". 

* This assumes that you do not owe any "priority" debts, like past-due alimony, child support and certain types of taxes.

** The $3,800 includes certain required "upfront" fees: (1) court filing fee of $274, (2) credit counseling certification fee of $34, (3) cost of credit reports at $10 per client, (4) plus less than $40 in other costs for such things as judgment searches and pacer access fees.  No "upfront" attorney fees are charged. 

***This guarantee is based upon the new law as current interpreted by our Bankruptcy Court judges.