How does debt management plan (DMP) program differ from declaring bankruptcy?

Credit counseling is a process to help people in debt regain control of their finances. Many people choose credit counseling as an alternative weather you have good credit or bad credit. The debt management plans provide by AllianceDebtCare.com is voluntary.

In contrast, when you file for Chapter 13 bankruptcy, it becomes public record. Such a step has serious and long-term drawbacks, which may negatively affect your life for decades. You may also have difficulty obtaining credit in the future.

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