"Alternatives to Bankruptcy" is a debt relief agency pursuant to federal law. Its owner, attorney Steven T. Stanton, offers a unique approach to the practice of debt relief law. The philosophy behind "Alternatives to Bankruptcy" is to explore all available debt relief strategies, to encourage non-bankruptcy strategies, and to employ bankruptcy as a last resort. By offering non-bankruptcy strategies, you need not fear the kind pressure associated with a visit to an attorney that offers only bankruptcy solutions. Alternatives to bankruptcy require a certain degree of cooperation from your creditors. If you can raise sufficient cash, then we attempt to negotiate a lump-sum settlement that reduces the total principal amount of your debt. If you need a long-term payment plan, then we attempt to negotiate the interest accruing on your debt. Either way, there is no guarantee that all of your creditors will agree to something you can afford. Therefore, we usually offer a bankruptcy back-up plan. Non-bankruptcy alternatives are encouraged by a discount program: If you qualify for and attempt a debt relief strategy that does not resolve your debt problems in a satisfactory manner, then Mr. Stanton will apply a portion of your non-bankruptcy fees toward your bankruptcy back-up plan. If required, Mr. Stanton has over 20 years of bankruptcy experience to insure that you are fully advised of your rights and options, including Chapter 7, Chapter 13, and Chapter 11. Call now for your free initial consultation. We look forward to providing you with an honest and thorough assessment of your financial circumstances and all of the available financial remedies, with no obligation.