Bankruptcy is not an option for every debtor due to various reasons. The debtor's income could be too high, or having more assets than the bankruptcy exemptions would allow. Some people don't want to file bankruptcy because it will be on their credit report for up to ten years. Whatever reason may be, there are other alternatives. These options include debt settlement or debt collection defense.
At the Law Office of John T Nguyen, our attorney has secured a defense verdict against a major bank following a bench trial in a debt collection lawsuit. We also have successfully negotiated with creditors to reduce our clients' debts as an alternative to filing bankruptcy.
CALL (408) 800-JOHN today for a free initial consultation.