Bankruptcy
Thinking about filing for Bankruptcy?
Bankruptcy is a legal proceeding involving a person or business that is unable to repay their outstanding debts. However, beware of the incorrect common perception that filing for bankruptcy means that you will no longer owe your creditors, or that it is available for everybody. Based on your individual situation, there may be criteria that applies which makes it impossible or disadvantageous for you to petition for bankruptcy.

Avoid Bankruptcy
Try to avoid bankruptcy if it is at all possible. Sometimes bankruptcy is the only solution, for example, if the debt amount is large enough ($100,000 or more).
Read More...

Why Bankruptcy Should Be Avoided
But more often than not, it proves to be a bad choice for most consumers and you won’t qualify.
Read More... Here are some facts to consider: Based on the above and other factors, bankruptcy should be only considered as a last resort. So what are your options?

Our Amazing Protocol
The Heritage Credit Group uses an amazing protocol.
Read More... Since following the letter of the law is not profitable and also since most consumers are not aware of their rights, these entities typically act with impunity. Our protocol for clients who choose not to file bankruptcy or who do not qualify for bankruptcy is to correspond with our clients’ banks and creditors in a certain format on their behalf. They will typically not pay any heed to our correspondence with them, causing them to violate federal laws that were written on behalf of you, the consumer. This will result in a lawsuit against the banks and creditors and this is what a consumer can expect when a lawsuit is filed against their banks or creditors:
An Attorney’s Testimonial On HCG’s Amazing Protocol
Please take a moment to hear from one of our attorneys about this amazing protocol:
Read More... Look below to see just a few of our clients who avoided bankruptcy, improved their credit score and won cash awards.