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Are you considering debt relief through an online consumer credit counseling  or debt consolidation service ?  You may be surprised to learn that they can do more harm than good to your credit.  Most times, bankruptcy is a better option, and many attorneys will be happy to sit down with you for a free consultation and thoroughly discuss your personal financial situation in order to help you decide what is the best solution for your financial problems.  In analyzing your particular situation, it’s always important to consider if there is an alternative to filing bankruptcy.
The decision to file bankruptcy is a difficult choice for folks to make.  A bankruptcy will affect, in some fashion, your future credit.  Bankruptcy, though,  does not totally destroy your ability to get credit in the future and can impact it much less than continued delinquencies on your credit report.  The decision to file bankruptcy must be carefully made in consultation with an attorney.