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The only bankruptcy option would be a chapter 13 assuming that the involved party qualified. Debt consolidation programs can sometimes be helpful but the consumer should be extremely cautious in dealings with such businessess. Keep in mind, creditors do not have to accept any repayment offers made by the debtor and/or a consolidator. It might prove helpful for the debtor to contact the legal aid office in their area for advice. Most bankruptcy attorneys offer free or minimal fee consultation to discuss what choices are available in relation to the debtor's personal circumstances. http://www.abanet.org (American Bar Association)

2006-07-28 12:23:54
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