Today most people who enter bankruptcy will often end up in a chapter 13 repayment. That means years of court supervised finances and making difficult payments every month under the watchful eye of a trustee.

It's in your best interest, and your lender's, for you to avoid bankruptcy if you can pay back your debts even partially, and both you and the lender are better off.

In the Mortgage Relief Formula, I teach you to do things differently. I teach you exactly how to approach your credit card companies so that they lower your interest rate and slash your principal balance. And when they do that, your credit score can rise so that in a short time your credit vastly improves.

I include the wording of your settlement offers, how to get in touch with the right people, what to say and do when they say "no" or don't respond.

It is perfectly possible to slash credit card debts and end up in great shape even if you are completely buried. I have people who have $250,000 in credit card debt who are using Mortgage Relief Formula right now to work things out.