Attorney Steven P. Richards is a Certified Bankruptcy Specialist. He is among an elite number of attorneys nationwide who hold this honor. Bankruptcy law can be very complicated. By choosing a Certified Bankruptcy Specialist, you can rest assured that you will have an expert on your side. There are many reasons why people file for bankruptcy, and we are not here to judge you. Our goal is to provide high quality bankruptcy representation with a sense of compassion and understanding. As your attorney, Attorney Richards will be personally involved in your case from the moment you call our office. Attorney Richard has been practicing bankruptcy law for over 15 years. We cannot tell you how many times we've had clients tell us that they wished they had called sooner. Call now for a free initial consultation, and let us help you formulate a plan to get your life back on track. You deserve a fresh start!

Filing for bankruptcy is generally not what the average American family chooses willingly to do and my wife and I were no different. There is a feeling of failure and embarrassment that is attached to filing for bankruptcy and that was difficult for us to face. Upon meeting Steven he immediately made us feel comfortable and removed all the anxieties we had. After our discussion with him we felt we had made the right decision to file and had chosen the right law firm to help us recover our lives. Steven made the entire process of gathering documents and information painless and he covered each of our assets and how they would be handled in the process until we understood and were comfortable with each aspect. We would strongly recommend Steven to anyone contemplating bankruptcy as he will definitely recommend whether or not it is the right step for you and should you decide to file, he will guide you through the entire process and always be there for support and with ... what the average American family chooses willingly to do and my wife and I were no different. There is a feeling of failure and embarrassment that is attached to filing for bankruptcy and that was difficult for us to face. Upon meeting Steven he immediately made us feel comfortable and removed all the anxieties we had. After our discussion with him we felt we had made the right decision to file and had chosen the right law firm to help us recover our lives. Steven made the entire process of gathering documents and information painless and he covered each of our assets and how they would be handled in the process until we understood and were comfortable with each aspect. We would strongly recommend Steven to anyone contemplating bankruptcy as he will definitely recommend whether or not it is the right step for you and should you decide to file, he will guide you through the entire process and always be there for support and with answers to your questions. Thank you, Steven, for giving us peace of mind again. You helped us lift a huge weight off our shoulders and we now feel we have the opportunity to put our lives back on the right track. We will certainly recommend you to anyone we know who may need your services. G.S & J.S.

I can help. I am an attorney and take great pride in giving my client's personal attention and sound legal advice. If you are concerned with credit card debt, automobile loans, medical bills, and debt owed to individuals, I can probably get your bankruptcy done for less than you think. If your situation is more complicated than that, I can help with that too. The simple fact is bankruptcy is complicated and no two cases are alike - hiring an attorney can ease the burden on you, so you can get ready for your new fresh start. Give me a call to talk about your case (no charge). I'll take the time to listen to you and explain your options. You'll speak to me, the actual attorney, and not a paralegal. And, if bankruptcy is not right for you, I'll tell you so. I'm not interested in pushing my clients in directions that are not in their best interest. Maybe there are better options out there for you, like debt negotiation. I'd like the chance to hear about your situation and see if bankruptcy is right for you. It's an understandably scary position to be in, but a simple phone call can take a lot of the fear and uncertainty out of the process. Feel free to call, day or night. If I don't answer, leave me a message and I will call as soon as I can.

About Us Today is a different world. Today credit repair is essential not only for purchasing homes, cars, etc., but also for jobs, insurance, and a number of other things. There are companies that will not hire you if your credit score is too low nor will they keep you if your credit score is too low. Already, there are companies who will not insure you without a decent credit report. All these companies believe that your credit history is a true example of who you are. It doesn't matter to them how or why your credit got messed up.. Remember this: You are somebody You deserve a second chance Clean credit benefits you, your family, the work place, and society in general A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. So,basically, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

CountryWide Debt Relief specializes in helping people resolve their debts and regain their life and financial freedom. Our team of experienced attorneys and negotiators use a proven process that has helped thousands of financially distressed people resolve their debts. Regardless of the type of debt (credit card, bank loan, student loan, medical, commercial, etc.) or status (current, collections, pending lawsuit or judgment) we may have a life changing solution for you. If you have been sued by one of your creditors or are looking to become debt free then you should call us for a free consultation.

CountryWide Debt Relief has been a big help to me. I had a trial coming up real soon on the 16th of May regarding a credit card lawsuit that was file against me and I did not want to have to stand trial. Richard presented a reduced settlement proposal to the opposing Law Firm on my behalf and over the phone he assured me that he was working to resolve the issue and that he would attempt to resolve it before the start of the trial which was about two days away. This offered me a lot of encouragement. On the 15th of May one day before the trial date Richard leaves a message on my cell phone telling me that that a reduce settlement offer has been reached with the opposing Law Firm which meant that I did not have to stand trial and I was so overjoyed and felt so relieved. When I afterward talked again to Richard on the phone I thanked him over and over again for what he had done for me. All I had to do was go to a court hearing and sign some papers and that was it.. Because of the reduce settlement offer that that had been reached I will be paying a lot lesser amount on the debt, my wages will not be garnished and my employer will not be made aware of my debt. Thanks again Richard for making this possible. Over the past few months Manning and the negotiations dept were also negotiating with the the opposing Law Firm to reach a reduce settlement on the lawsuit filed against me. I remember talking to Manning over the phone about one of my pretrial conferences that took place and he told me that he and the negotiations dept got the apposing Law Firm to reduce the debt to a lot lesser amount then they were originally demanding and that he and the negotiations dept would continue to negotiate for a even lesser amount so that I would be able to afford it. This offered me great comfort and encouragement and I could sense that Manning had my best interest at heart. Manning and the other reps was working on my behalf and had my back. Thank you Manning and all the other reps in the negotiations dept for all you have done in reducing my debt to a lot lesser amount. I really appreciate it. I wish all the employees of CountryWide Debt Relief the best in life. Vincent

International Debt Solutions seek to provide debt relief to help you break free of your debt burden. We are committed to providing the highest degree of quality and ethical service to our clients during the debt relief program that best suits your needs. Our experienced staff takes great pride in helping individuals and families turn their grim financial situations into fresh starts. Our Customer service Center administrating our debt relief programs have saved millions of dollars for commercial and consumer debtors. Our services provide you with immediate and practical debt relief from creditors and the anxiety associated with debt problems. When you call for a free consultation, you will speak with a Debt Counselor who has been trained by and is working under the specific instructions of lawyers experienced in Bankruptcy and Debt Resolution, who will let you know your alternatives and the advantages and disadvantages of each.

After calling multiple companies that were just trying to sell me something, it was great to speak with a consultant that would listen to my needs and refer me to the company that would be able to assist me and my goals. Did I mention it was FREE to speak with them! I have already had several friends contact them to get help out of debt. I spoke with Taylor, but I am sure any of the consultants are great!!

At Lucid Assessment, we strive to set ourselves apart from the other competing credit repair and debt settlement companies. We take a holistic approach to improving your credit through one on one, personalized service and a focus built strongly on educating our clients. Removing negative items is not the only way to increase your credit score! Lucid Assessment will help you legally and effectively optimize your credit by correcting the negative and inaccurate items, negotiating all accurate debts, and then establishing new lines of credit. In short, we give our clients an effective plan when it comes to tackling their credit issues. It is for these reasons that we are trusted and utilized by some of the nations premier companies such as Wells Fargo, Wachovia, Chase, Bank of America and the Department of Defense.

The majority of Americans are feeling the financial stress of our struggling economy, and millions of Americans have gone through the bankruptcy process and have come out better on the other side. IsnВ’t the idea of starting fresh tempting? You can have a clean financial slate, and we can help. You can educate yourself about personal bankruptcy in a free, comfortable, no-stress consultation, with complimentary beverages.We pride ourselves on the ability to provide our legal expertise with compassion and understanding.

I sat down with Sean and he explained the bankruptcy process. It was something I wasn't sure I needed. He said I could pay the $670.00 fee and if I don't need it I could just get a refund. I paid the fee the following week. His staff called me periodically over the next year, I had changed my mind and requested a refund. He refused, saying I've never been in his office before and he doesn't know who I am and he has no record of a payment. I had moved and lost my receipt and had no proof. But for a business to keep shtty records should tell you to go to another business.