The End is in Sight
For many of us, we don’t want to ever have to face the possibility of bankruptcy. The loss of credit and then the recovery period is just too long and the future is too unpredictable. The next step down would be to consider some sort of debt settlement so that you can pay off all of your creditors by negotiating a huge savings, but again you have to worry about a lower credit score. So the only viable options if you want to keep your credit intact would be a debt consolidation loan coupled with credit counseling and a making and keeping to a good budget. It’s not easy.
