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Personal bankruptcy should be considered as a last resort to a debt management option because the outcomes are long-lasting and extensive. A bankruptcy stays on your credit report for 10 years, affecting ones ability to obtain credit, buy a home, get life insurance, or even obtain a job. With American Bankruptcy Alternative your credit rating is protected from bankruptcy and your debt is reduced. Best of all, once your creditors accept our settlements, the amount will be as payment in full, making you debt free without having to suffer longer-term financial and social impacts of bankruptcy.

Affordable Payments.
We will set you up with a realistic monthly payment based upon your specific circumstances. This will determine the amount of time (months) it will take to eliminate your debt.

We take over communications.
Once you are a client you will receive a phone number to provide to your creditors/collectors. All written correspondance can be re-directed to us as well.

Negotiating on your behalf.
We will negotiate an agreement with your creditors to accept an amount less than what you currently owe, generally 40-60% less.

Zero Balance.
This is the end result. You are informed of all settlement offers made by your creditors and given the opportunity to accept or refuse. Once paid, you no longer owe a penny... you have a remaining balance of ZERO!