This encompasses all management phases of debt and asset protection, including the review of state exemptions and exemption forms if applicable;

• positioning a client’s debts for favorable resolution,
• negotiating settlement of debt, whether pre-litigation, post-judgment or at some phase in between,
• stopping harassment by creditors, correcting credit reports once debts are resolved,
• and pre-bankruptcy counseling.

Also included is help dealing with payday loans, mortgage foreclosure counseling and assisting clients with resolved debts in applying for a mortgage.