Your Trusted Partner in Debt Relief Solutions
If you're overwhelmed by debt and unsure where to turn, DebtErasers is here to help you take control of your finances. Our experienced bankruptcy attorneys guide individuals through debt relief options like Chapter 7, Chapter 13, and debt negotiation, helping you choose the right path toward a fresh financial start.
What Is Bankruptcy?
Bankruptcy is a legal process designed to help people who are unable to repay their debts. It can:
- Stop wage garnishments and creditor harassment
- Delay or prevent foreclosure and repossession
- Eliminate or restructure debt
- Regain financial stability
Bankruptcy isn't a failure; it’s a way to get back on track. With DebtErasers, you can regain control of your life.
Bankruptcy Alternatives
Chapter Seven
Chapter 7 is the most common and affordable bankruptcy option. If you qualify, it can wipe out most unsecured debts like credit card balances, personal loans, and medical bills.
Ideal for: Individuals with limited income or assets
Key benefits: Fast debt discharge (typically 3-4 months), fresh start
Learn more.
Chapter Thirteen
Chapter 13 is a debt relief reorganization plan that lets you repay debts over 3 to 5 years, often at a reduced total amount. It helps stop foreclosure and repossession while protecting your assets.
Ideal for: People with a steady income who want to catch up on payments
Key benefits: Keep your home and car, stop collections, reduce overall debt
Learn more.
Debt Negotiation
If filing for bankruptcy, Chapter 7 and Chapter 13 aren’t the right fit, DebtErasers bankruptcy attorneys can negotiate debt directly with creditors to lower your total debt or create more manageable payment terms. This alternative may be a good option if:
- You want to avoid filing for bankruptcy
- You are behind on payments, but still have some income
- You’re facing mounting interest or penalties
Stop Creditor Harassment
Are you getting constant calls from collectors? We know how stressful that can be. Filing for bankruptcy can legally halt creditor harassment calls right away. DebtErasers fights for your rights and ensures you’re treated fairly under the law.
Why Choose DebtErasers?
- Licensed bankruptcy attorneys in Illinois, Michigan, and Florida
- Personalized legal advice
- Step-by-step support through every stage of the process
- Discounts on required credit counseling courses
Take the First Step Toward Financial Relief
We make it easy to explore your options and start your fresh start with confidence. Whether you’re considering bankruptcy, debt negotiation, or looking for alternatives, we’ll walk you through every step.