{"id":1043,"date":"2016-05-06T15:12:26","date_gmt":"2016-05-06T22:12:26","guid":{"rendered":"https:\/\/syndicatelegal.com\/?p=1043"},"modified":"2016-05-06T15:12:26","modified_gmt":"2016-05-06T22:12:26","slug":"why-bankruptcy-can-be-a-better-option-than-debt-settlement","status":"publish","type":"post","link":"https:\/\/syndicatelegal.com\/es\/why-bankruptcy-can-be-a-better-option-than-debt-settlement\/","title":{"rendered":"WHY BANKRUPTCY CAN BE A BETTER OPTION THAN DEBT SETTLEMENT"},"content":{"rendered":"<p><span style=\"color: black; font-family: verdana;\"><br \/>\nI often have clients that come through our office asking about the option of debt settlement or debt consolidation to avoid filing a bankruptcy.\u00a0 While the intent is noble, there can be many pitfalls that you are not aware of when trying to either negotiate down your debt, or alternatively, contract with a debt consolidation company to remedy your debt.<\/span><br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\nLet me cut right to the chase in discussing the potential problems with each of these &#8220;solutions&#8221;.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Debt Settlement<\/strong><br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\nThis basically means that you are going to contact the creditor to whom you owe money, and try to pay them a lower amount than you actually owe.\u00a0 ie. if you owe American Express $10,000, you will call them and try to see if they&#8217;ll accept $5,000 to settle the entire amount.\u00a0 In some cases, this is a great idea if you can come to terms, however there are a few things you may not realize before you jump into this.<br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\n1. When you settle a debt, the creditor usually wants a lump-sum payment immediately. Were you excited that you negotiated American Express down to only $5,000 and cut your debt in half?\u00a0 Slow down cowboy.\u00a0 This doesn&#8217;t mean you can now make minimum card payments on $5,000 going forward.\u00a0 American Express will want their money NOW.\u00a0 All at once.\u00a0 And if you&#8217;re lucky, perhaps they&#8217;ll let you pay in a few installments.\u00a0 If you don&#8217;t pay, deal is off.<br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\n2. Now that the economy is doing much better, creditors are not willing to negotiate their debts down as much as they did back in 2008 or 2009. There was a time not so long ago when you could sometimes get away with settling your debt for only 10 cents on the dollar.\u00a0 Creditors were desperate to just get anything from you versus getting a big fat ZERO if you were to file bankruptcy.\u00a0 With people back at work and people&#8217;s property values no longer underwater, creditors will rarely cut you much of a deal.\u00a0 My American Express example is hard to even find as these days they wouldn&#8217;t take 50% of their debt.\u00a0 Depending on your situation &#8211; maybe you could get them to reduce your debt by 10% or 20%.\u00a0 Otherwise they are more than happy to sue you.<br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\n3. The credit can issue you a 1099 for the amount of debt they forgive. Therefore if you take a $10,000 credit card debt, and settle it for $4,000 &#8211; the credit card company may issue you a 1099 for $6,000 of imputed income. The problem with this?\u00a0 Now you&#8217;ll have a taxable obligation on the $6,000 and remember &#8211; (most) taxes are not dischargeable in a bankruptcy!\u00a0 This is a larger problem for people who negotiate down larger amounts of debt since it can create a significant tax obligation to you that you would have never had had you filed a bankruptcy.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Debt Consolidation<\/strong><br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\nThere are two types of Debt Consolidation that we see.\u00a0 The first one is where you take out one loan from one institution to pay off your debts.\u00a0 This simplifies things because now you&#8217;re just paying off one lender instead of 20 different credit cards.\u00a0 A simple example would be taking a loan of $20,000 from Logix Credit Union to pay off your 10 credit cards totaling $20,000.\u00a0 Now you simply make one payment every month to Logix to pay back the loan.\u00a0 This is a good option in my opinion, if you can get a good interest rate.<br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\nThe other type of Debt Consolidation occurs with rip-off artists aka Debt Consolidation Programs.\u00a0 These companies claim that they will bundle up your debt and negotiate your debt down with the creditors.\u00a0 In return, you pay the Debt Consolidation company one small monthly payment, and each month they in turn will distribute it to your creditors &#8211; kind of like how a Chapter 13 would work.\u00a0 Here are the problems with them:<br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\n1. Most of these companies are complete scams. They will take your payments and hardly turn over any of the money to your real creditors. Next thing you know, you&#8217;re embroiled in a fight with the same company that you thought would help you.<br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\n2. Creditors can still sell off or transfer your debt and pursue collection activity against you. Yes, that means they can still sue you even if you&#8217;re in some sort of debt consolidation program with a third party.<br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\n3. Generally these consolidation companies give terrible advice. They will tell you to stop making all of your credit card payments for a few months.\u00a0 You do realize once you do that it will hurt your credit even more.\u00a0 Contrary to popular belief, filing a bankruptcy in many cases actually improves your score!<\/p>\n<p>&nbsp;<br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\nSo there you go folks.\u00a0 Of course, you should do everything you can do avoid a bankruptcy, but in my experience, actually filing a chapter 7 has been much better for my clients than these other avenues.\u00a0 Over the last eight years many of my clients have met with me, tried all sorts of debt settlement and spent thousand of dollars, only to find themselves back at my office a year later, in the same predicament.<br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\nIf you&#8217;re thinking of filing bankruptcy or have any questions, don&#8217;t hesitate to reach out and ask!\u00a0 Call our main line at 818-293-5291 or send us an email at info@syndicatelegal.com<\/p>\n<p>&nbsp;<br \/>\n<span style=\"color: black; font-family: verdana;\"><br \/>\nThanks<\/p>\n<p>Neil Bhartia<\/p>","protected":false},"excerpt":{"rendered":"<p>I often have clients that come through our office asking about the option of debt settlement or debt consolidation to<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[19,1],"tags":[20,21,22,23,24],"class_list":["post-1043","post","type-post","status-publish","format-standard","hentry","category-bankruptcy","category-uncategorized","tag-bankruptcy-help","tag-chapter-7-los-angeles","tag-cheap-bankruptcy-lawyer-woodland-hills","tag-debt-relief","tag-debt-settlement-problems"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>WHY BANKRUPTCY CAN BE A BETTER OPTION THAN DEBT SETTLEMENT - Bankruptcy Attorney | Car Accident Attorney | Woodland Hills Los Angeles | Syndicate Legal<\/title>\n<meta name=\"description\" content=\"Thinking about debt settlement or debt consolidation? Read this article to learn why bankruptcy may be a much better option!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/syndicatelegal.com\/es\/why-bankruptcy-can-be-a-better-option-than-debt-settlement\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"WHY BANKRUPTCY CAN BE A BETTER OPTION THAN DEBT SETTLEMENT - Bankruptcy Attorney | Car Accident Attorney | Woodland Hills Los Angeles | Syndicate Legal\" \/>\n<meta property=\"og:description\" content=\"Thinking about debt settlement or debt consolidation? Read this article to learn why bankruptcy may be a much better option!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/syndicatelegal.com\/es\/why-bankruptcy-can-be-a-better-option-than-debt-settlement\/\" \/>\n<meta property=\"og:site_name\" content=\"Bankruptcy Attorney | Car Accident Attorney | Woodland Hills Los Angeles | Syndicate Legal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/syndicatelegal\" \/>\n<meta property=\"article:published_time\" content=\"2016-05-06T22:12:26+00:00\" \/>\n<meta name=\"author\" content=\"adam\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@syndicatelegal\" \/>\n<meta name=\"twitter:site\" content=\"@syndicatelegal\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"adam\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/syndicatelegal.com\\\/why-bankruptcy-can-be-a-better-option-than-debt-settlement\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/syndicatelegal.com\\\/why-bankruptcy-can-be-a-better-option-than-debt-settlement\\\/\"},\"author\":{\"name\":\"adam\",\"@id\":\"https:\\\/\\\/syndicatelegal.com\\\/#\\\/schema\\\/person\\\/cceec82fbf9e07ab8a63d79d444aafc2\"},\"headline\":\"WHY BANKRUPTCY CAN BE A BETTER OPTION THAN DEBT SETTLEMENT\",\"datePublished\":\"2016-05-06T22:12:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/syndicatelegal.com\\\/why-bankruptcy-can-be-a-better-option-than-debt-settlement\\\/\"},\"wordCount\":902,\"publisher\":{\"@id\":\"https:\\\/\\\/syndicatelegal.com\\\/#organization\"},\"keywords\":[\"bankruptcy help\",\"chapter 7 los angeles\",\"cheap bankruptcy lawyer woodland hills\",\"debt relief\",\"debt settlement problems\"],\"articleSection\":[\"BANKRUPTCY\",\"Uncategorized\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/syndicatelegal.com\\\/why-bankruptcy-can-be-a-better-option-than-debt-settlement\\\/\",\"url\":\"https:\\\/\\\/syndicatelegal.com\\\/why-bankruptcy-can-be-a-better-option-than-debt-settlement\\\/\",\"name\":\"WHY BANKRUPTCY CAN BE A BETTER OPTION THAN DEBT SETTLEMENT - Bankruptcy Attorney | Car Accident Attorney | Woodland Hills Los Angeles | Syndicate Legal\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/syndicatelegal.com\\\/#website\"},\"datePublished\":\"2016-05-06T22:12:26+00:00\",\"description\":\"Thinking about debt settlement or debt consolidation? 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