If you have decided to use the services of a debt management or debt consolidation company, keep in mind that you may be much better off consolidating your debt under Chapter 13 of the United States Bankruptcy Code.
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Do you have questions about Bankruptcy ?
The collection of old debt that has past the statute of limitations for legal collection by law through collection letters, calls or lawsuits has often been called zombie debt.
If you have a situation in your marriage where one of you have taken out credit card debt and then find years later that you can’t pay the debt, and your spouse in not aware of the debt, don’t despair.