A chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts.
DEBT COLLECTION DEFENSE
Just because you cannot pay your bills does not give a person the right to harass or belittle you.
MORTGAGE FORECLOSURE DEFENSE
Foreclosure is when your Lender or the Servicer for your Lender takes steps to repossess your home because you have not paid your monthly mortgage.