C.M.
G.,
Please call me to discuss. My husband and I own a company that specializes in debt reduction (not debt consolidation, and the like). In most cases, you do NOT pay us. We've had many of our clients regret the decision to file BK and end up losing their house in foreclosure anyway because they can't afford a BK payment and their house payment.
I'm sorry for your financial misfortune. We will consult with you for free and I may be able to help you go a different direction.
C. McElroy
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www.collateralcapital.com