Should You File for Bankruptcy Protection: Yes or No?

February 1, 2010

Dear visitor,

If you are reading this letter, then you are contemplating bankruptcy, you know someone who is deciding or you have already started the process.

Deciding if you should file for bankruptcy is probably one of the most important decisions in your life.  Unfortunately, it is not an easy decision. Here are the reasons why:

1. Bankruptcy attorneys, debt counselors and loan consolidation officers all have a vested financial stake in what you decide.  They only make money if they convince you to hire them.
           
2. Bankruptcy laws are complicated.  Whether you should declare bankruptcy depends on complex federal and state bankruptcy laws.  Deciding how these laws fit into your own personal situation is not always easy.
   
   
3. Filing for bankruptcy can be an expensive, emotional and grueling process that will impact your life for years.  The combination of bankruptcy and divorce or bankruptcy and illness can result in additional emotional stress. 

To make matters worse, Congress just passed sweeping bankruptcy reform legislation that makes it difficult for most individuals to declare simple and swift bankruptcy (Chapter 7 Bankruptcy). 

Strongly supported by credit card companies (what a surprise, since it will save them billions), this legislation will force most individuals or couples to declare Chapter 13 Bankruptcy because they will not be able to qualify for the new, extremely restrictive rules that allow a Chapter 7 Bankruptcy.  The result:

• Gone: the ability to write off most credit card debt (unsecured debt).
• Gone: the ability to have your bankruptcy resolved in a few months.
• Gone: potentially thousands of dollars of your money in lost write-offs and additional required legal fees.

Without the Chapter 7 option, the bankruptcy duration and resulting emotional stress can go on for years, making it impossible to get on with your life.

What Can You Do?

Find an unbiased source of bankruptcy advice so you can make the right decision for your financial situation.

Make the decision of whether to file in the privacy of your own home.

BANKRUPTCY SECRET #1: "Finding Accurate and Unbiased Information Is The Key To Deciding If You Should Declare Bankruptcy"

Deciding if you should declare bankruptcy is not an easy decision.  You need to understand your options before you start paying attorney fees or signup for a long-term debt restructuring plan that could take you years to pay off.

But how can you find reliable bankruptcy advice if everyone you talk to has a financial stake in what you decide? 

I decided to take action after learning about two close friends who were contemplating this decision. Like them, there are millions more trying to make the difficult decision.

Yes or No?

When my friends and family members are hurting and contemplating bankruptcy, then it's time for me to act.

Bankruptcy Yes or No is designed to provide you with an easy to read, personal decision making tool. It is not a replacement for your attorney, rather it is designed to help you make the decision. If the decision is yes, then you will be prepared for a conversation with your attorney. If the decision is no, then you have other alternatives to power your way back to financial health.

You are not alone.

With the recent global economic meltdown of 2008 and 2009, it is no longer the occassional person or business that decides to file for bankruptcy protection, but it is a great many of us who must make the decision.

Sadly, greed by a few wealthy investment bankers and lax government oversight resulted in the housing bust and foreclosure crisis of today. Our economy is founded on housing. Just look at all of the industries that are fueled by housing: construction, engineering, architecture, landscaping, maintenance, interior design, furniture, electronics, cleaning, banking, insurance and even local government taxes. Each one of those industries and many more have been hurt. In turn, retail, food and entertainment are also suffering.

The result is financial distress in every walk of life. 

Now, more than ever you need a concise plan of action that will allow you to make the right decision.

Bankruptcy: Yes or No? is based on thorough research of bankruptcy laws and practices throughout the United States. The book and course proves that

• Anyone can understand the basics of bankruptcy law,
  
  
• It only takes a few hours to learn what you need to know, and
  
  
• With the right information, you can make an informed decision.

The philisophy of Bankruptcy: Yes or No? is simple. 

You are given easy to understand information in an unbiased manner. You make the decision.  

In fact, if you will take the time to read Bankruptcy: Yes or No?, I will make you a commitment that no other author is willing to make: phone and email support.

I will provide you with 3 months of phone and email support through the
Wealth Umbrella Benefit Network.

Why am I offering this unheard of arrangement, where you have direct access to financial experts and all of the benefits of the Wealth Umbrella?

I have one goal. I want you to have the confidence and knowledge to make the right decision on your own!

Now,

Tomorrow, and

in the Future...

"Deciding if you should declare bankruptcy is a difficult decision.  Bankruptcy: Yes or No gives you a powerful, but simple plan of action so you can make the best decision possible."  

-Patricia Droese

Bankruptcy: Yes or No? helps you answer the tough questions quickly,

What are the best options for dealing with any financial hardship?

Is debt counseling a good option?

Should I file for bankruptcy?

Should I hire an attorney?

What are the homestead exemptions for property in my state?

How can I improve my credit report and score?

What should I do with my business or rental properties?

Listen closely!  

You can either procrastinate, potentially costing you thousands of dollars in more legal fees and years of mental suffering, or you can take control of your future now by reading Bankruptcy: Yes or No? and joining the Wealth Umbrella Network.  

Now, let me ask you a question:

How much would you pay for personal access to financial experts and a book that summarizes the key bankruptcy information in an unbiased manner and includes e-mail and phone support so you can ask questions?

Attorneys, typically charge hundreds of dollars per hour for bankruptcy advice.  However, I wrote Bankruptcy: Yes or No? so that as many individuals as possible could make an informed decision before they decide to hire an attorney. 

That's why I have priced Bankruptcy: Yes or No? including 3 months of phone and email support at the low price of $147.

And ...

order Bankruptcy: Yes or No? NOW and receive two FREE gifts! 

I am so convinced that Bankruptcy: Yes or No? will give you the information you will need to make an informed decision; therefore, I am offering a full 30-day, money-back guarantee.  If you are not completely satisfied, simply send me a quick note and I'll be happy to refund 100 percent of your money.

I don't recall any attornies offering money back on their advice at rates of $200 to $400 per hour.

Plus, you get a no hassle policy. When you call and place an order or order online through our secure server, you will no be hit up for any other offers. I promise.

You may pay by credit card, money order, cashier's check or through PayPal.

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1. To order through our secure server online and in privacy, click on the start your success button.

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• Bankruptcy book with CDrom,
• Email and phone support for 3 months,
• Free gifts, including 900 page real estate and tax lien book.
  

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I wish you success, 

Michael Williams

P.S. What are you waiting for? For only $147, you can change your financial life by clicking the Start Your Success link! Make the decision with all the knowledge at your disposal. You also ge access to email and phone support so you are not alone.