Financially, have you found yourself in a spot you never though you would be in? Foreclosure? Short sale? Deed in lieu of foreclosure? BANKRUPTCY?

First you may need to get CREDIT COUNSELING – here are 2 that are nonprofit companies and are not scams. I got them from my attorney.

CALL THEM AND MAKE AN APOINTMENT. The cost is ONLY $50.00 to get your life straight.

They can help you make a plan, and even call your creditors for you and try to get your debt reduced, etc. They will help you determine if you need to file bankruptcy or not.

CONSUMER CREDIT COUNSELING 800-741-7040
FAMILY LIFE RESOURCE 800-553-8621

If you find you need to file bankruptcy, here’s a great way to save a lot of the expense. There is a company that actually provides insurance for legal problems.

It is called PRE-PAID LEGAL SERVICES – I have been a member for years. You join and have a membership which gives you lots of benefits, and one is if you are a member, the bankruptcy will cost you only about $1200 for the whole thing.

The membership only cost $26.00/month and you can cancel at anytime. But why would you? You will have attorneys you can call anytime, no charge to help you with all life’s crisis. Their advice is no charge to the members. It's great peace of mind to know you have attorneys you can call that are not going to charge you to answer a question.

To find out more about Prepaid Legal Services Inc. go to www.PrePaidLegal.com . (IF IT DOESN'T LOAD COPY & PASTE IN YOUR BROWSER) This is a site I had set up to answer your questions and so you can sign up if you like. I must disclose, there is a small commission involved when you sign up. This pays for the website. After you watch the short movie click on read more about PPL, then click on the tesimonials. They are really good. People love this!

Remember to count your blessings and things will get better.
God bless you and your family.