Monday, February 27, 2012

How to Protect Your Assets from Creditors

By Allan Henry


Many people are financially blown because of the current global economic catastrophe. And instead of being a part of a solution, many creditors would rather take advantage of the situation. They make every effort to try to seize as much property as they could. And you might be one of the helpless victims of their assaults. This is really frustrating for you. What then are you planning to do?

In most cases many people decide to file for bankruptcy, with hopes of making their situation better. However what most people believe to be the best solution is actually what will make their situation worse. Unfortunately, bankruptcy can neither protect you nor your valuable assets from your creditors. It can't get you out from debt either. Instead, it will generate additional setbacks to your current situation. You might not be aware that when you file for bankruptcy the court will appoint a trustee that will take control over your non-exempt assets. The court appointed trustee can do almost anything with your assets. He can sell all your non-exempt assets to pay your creditors even if it is against your will. When you are facing a crisis such as this, the first thing you want to do is to determine an effective asset protection program. However when you file for bankruptcy especially the Chapter 7 bankruptcy, any asset protection attempt will not work.

The best thing you can do is to make use of the services of a reputable company who are experts on debt issues. You can file for an asset protection agreement with these agencies to guarantee your assets' protection. These companies that you work with can place a lien on your properties once you enter the agreement. This lien which they bring in will stop your creditors from taking away your assets.

Make sure you are dealing with the right people before you engage yourself to these agreements. There are so many agencies that can help you with your debt problems. However not all of these companies are reliable and effective. Seek out the most reputable company, one who has been in the business for a long time and has been known for their outstanding service. A good debt relief service will provide you with an asset protection program that will further help you create a practical payment plan that you can work with. Taking advantage of these companies' services is very helpful. They can insist for a confirmation statement from your lenders to prove the legitimacy of their claims.

Protecting your assets from creditors can be difficult and tricky, but it is easier when you got the right set of debt management from a reliable debt and credit guru.




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