This encompasses all management phases of debt and asset protection, including the review of state exemptions and exemption forms if applicable;
- positioning a client’s debts for favorable resolution,
- negotiating settlement of debt, whether pre-litigation, post-judgment or at some phase in between,
- stopping harassment by creditors, correcting credit reports once debts are resolved,
- and pre-bankruptcy counseling.
Also included is help dealing with payday loans, mortgage foreclosure counseling and assisting clients with resolved debts in applying for a mortgage.