A reader asks…

Sometimes the only option for my prospects is Bankruptcy or Debt Consolidation. Now as a Credit Consultant my job is to restore and maintain a squeaky clean credit report so it kills me to send them off to file BK or consolidate their debt however it’s their only option. I prefer a non-profit in the Central Valley, CA (because that’s where my office is located) who can offer these services and become part of my referral directory. If anyone out there can steer me in the right direction I’d really appreciate it. Thank you

A reader asks…

I have about five to six unsecured debts [no credit cards] that i need to consolidate and make one payment or like. Bankruptcy is not an option for me. The total is around $10K. I am not interested in debt consolidation agencies, so far the ones i have talked to, i know more what to do than them…I can make monthly payments toward the debt and also pay reasonable fees and/or % of satisfactory arrangements. Anyone knows a serious, good attorney in the areas that i can contact for a free consultation. Thank you

Product DescriptionThis study deals with the mechanisms for debt relief for heavily indebted poor countries (HIPC) are jointly coordinated by the International Monetary Fund and World Bank. It describes the contents of the HIPC program and classifies as a non-legally binding instrument under international law. …