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Bankruptcyis always the last resort.Some law firms, bankruptcy is the solution to every financial problem — from credit card debt to home foreclosure. However, filing bankruptcy isn't for everyone and it isn't always the best option for clients. There may be less drastic ways to solve your debt problems. We are the only firm we know of which works in the area of loan modifications, credit card debt settlement. we advise our clients about what is best for them, rather than what may be best for the firm. Our lawyers will take the time to explore your financial circumstances and determine if your debt problems can be solved by other means that will be less damaging to your credit and less disruptive to your life & also our lawyers offer real solutions for homeowners in across the United States and Los Angeles, Santa Monica, the San Fernando Valley and surrounding areas in southern California.

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