Credit Repair – Or – Bankruptcy?

“To file, or not to file? … THAT is A question.”

That is a question that thousands of debt-burdened debtors ask on an annual basis: “Should I file for Chapter 7 bankruptcy?”

Another question often asked is: “What are the alternatives to filing for bankruptcy?” And: “If any”?

This writer is of the belief that low cost, non-profit-based credit repair and counseling can be a viable alternative to taking the bankruptcy route – not exclusively, but as a first-choice alternative. What’s to lose by at least exploring the alternatives of “repairing one’s credit”, improving one’s credit score significantly, and using restored credit wisely and beneficially to support one’s “credit worthiness”?
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