Scrap Book Chronicles

Tax Evasion- Availing of the Best Defense, Experienced Tax Lawyer

When people become concerned about the amount of tax they owe the IRS, the natural tendency is to try to get away from paying it. But tax evasion is not just about avoidance. It is about getting away with the tax you owe while not paying it. According to the tax settlement lawyer serving in all of Missouri, the IRS will not just let tax evasion go unpunished. It will pursue you aggressively to recover the tax debt.

Tax evasion

Often, people think of tax evasion as just tax avoidance, but there actually are other ways to avoid or reduce tax payments. For instance, dealing in cash when tax avoiding is not really an option may still be tax evasion legal. Keeping proper records, claiming legitimate deductions and reducing your taxable income to a more manageable level can all complicate things with the IRS. In such cases, a tax attorney can be your best friend. Not only can your tax attorney negotiate with the IRS to reach a settlement in your tax liability, but also provide tax legal guidance on matters involving your tax deductible expenses and rebates, as well as other actions to fight your tax burden.

Another area of tax evasion and tax fraud is false statements on tax returns. If you are asked to furnish incorrect information on your tax returns, you can use tax evasion strategies to fix this problem. There are tax fraud techniques to help you if you are under investigation for tax evasion or fraud.

Another criminal tax evasion scheme is tax evasion with another person. This is called “induced laundering.” With this crime, you persuade another person to work against the tax law and pay false taxes in return for some form of favor. This could be the provision of property or services. The crime of “induced laundering” carries a jail term of more than ten years.

If you think that you might be involved in tax evasion or tax fraud, you should immediately seek the help of an experienced tax attorney. Tax evasion and tax fraud are serious crimes. These offenses result in significant criminal penalties and long prison terms. To avoid prison time, you should hire a competent tax lawyer who can fight your case to the fullest extent possible. Lawyer-offices can be found online or by referral.

In order to protect yourself from prosecution, it is important that you find out what penalties, if any, will be imposed on you if you are convicted of tax evasion or tax fraud. If the wronged taxpayer is unable to pay back the taxes, the tax evasion amount he or she owes may become double or triple. The IRS may issue an administrative order to repay the tax to the government. The tax debtor may face jail time if the appeal is denied by the IRS. Your lawyer can help you decide whether to go forward with an appeal or to accept the final administrative order issued by the IRS. The tax debt itself may lead to a wage garnishment.

There are many people who believe that tax evasion charges are extremely minor. Some people believe that they will not serve time in jail. Some people argue that the charges levied against them are trumped up charges meant to make it appear that criminal activity occurred. It is important to remember that the charges levied against tax evaders are considered criminal tax fraud.

Attorneys face very difficult challenges when handling tax evasion cases. This is because tax evasion cases are tried under federal tax laws. The government wants to prove that the crime actually took place and that damages were caused as a result of tax evasion. In order for a criminal defense attorney to successfully represent a tax evasion client, the lawyer must put in a lot of work to investigate the crime, build a strong criminal defense team and try to convince the jury or judge that his client was not aware of the tax crimes. An experienced tax evasion lawyer is his client’s best legal defense.

Tax Law

Tax Levy Attorney Services

We have just finished our article on tax levy attorney services in Grand Junction, CO. Now we turn our attention to our second article, ” taxation law firm “. You have probably heard of us, if you have not, and we are a group of tax attorneys who specialize in all aspects of tax law. We represent individuals, businesses, trusts, and organizations throughout the nation, as well as locally. Our services are offered in Colorado, Maryland, Virginia, West Virginia, and New Jersey, but we are active nationwide. Click here for more details.

Tax Levy Attorney Services

Taxation is the basis for all government programs and revenue raising efforts, and without proper tax planning and enforcement, these efforts will not achieve their full purpose. Tax law is a complicated area, with many exceptions, qualifications, and carve-outs that can be easily abused by the government, especially when the government feels it is getting something it should. Tax levy attorneys are highly skilled tax experts and legal advisers that can help you with complicated, time-consuming or debt-ridden tax problems. In some cases they act as personal assistants to attorneys, negotiating with creditors, IRS, or state tax agencies on your behalf, or serving as legal representatives for a tax settlement. Whatever your situation, it is best to retain the services of a professional tax law firm, because the best tax lawyers are members of the Institute of Tax Administration (ITA) and the Tax Resolution Institute (TRI).

Taxation law firms also provide other types of legal assistance, including corporate tax resolution, corporate taxes, and corporate settlements. Sometimes they even handle criminal defense work, with clients going to jail, or paying hefty fines if guilty of tax evasion, fraud, or other crimes related to the tax code. Tax levy attorneys are licensed in all states, and are familiar with local rules and regulations and state law. Many tax lawyers even have experience working with the IRS, and can assess how to resolve an audit before it gets too far into litigation.

If you owe back taxes or want to pursue an audit, then it is a good idea to get the help of a tax levy attorney immediately. The professional knows the laws, and the ins and outs of IRS processes, and will know just what to do in each situation. It’s better to seek the advice of a tax lawyer firm rather than trying to sort out a problem on your own, because they’ll be better able to protect your rights and defend you against overzealous IRS agents. And you needn’t worry about being accused of tax evasion or fraud, because in most cases it’s easy to prove your innocence.

Many people are intimidated by the prospect of speaking to the IRS, but if you’re not an expert on tax laws, you’re going to make mistakes. Don’t let that scare you. If you owe back taxes and are looking for tax relief, don’t just sit there. Hire a professional tax attorney and fix your problem now. He or she will be able to tell you what you can legally do, and will be able to help you get the tax relief that you deserve. You may even be able to delay the IRS for months while your case works its way through the system.

When you need tax help, don’t panic. Hire a tax levy attorney and trust them to fight for your rights. They will be able to provide you with the advice and representation that you need to resolve the matter between you and the IRS in an efficient manner. And with the help of a skilled tax levy attorney, you may actually be able to get some money back from the IRS before you repay any deficiency judgments.

Family Law

Tips on How to Drop Domestic Violence Charges- a Family Lawyer Elucidates

It is clear that domestic and family law attorneys are charged with a unique responsibility when it comes to handling domestic and family disputes. If you are experiencing an immediate problem involving domestic abuse, and your divorce law attorney is not doing anything to help you, then fire him/her. In most instances of domestic abuse, the judge may be required to issue a temporary protective order against the abuser and/or the victim’s children of the relationship. This order prohibits the abuser from contacting the victim or their children in any way, whether verbally or physically.

Unfortunately, spousal abuse often times results in more than just one divorce. Many times, the victims are unwilling to cooperate with the abuser, and they end up filing for divorce themselves. Divorce lawyers who are skilled in working with victims of spousal abuse may be able to convince the courts to issue protective orders against the abuser, thereby preventing further spousal abuse from taking place. A divorce lawyer who is experienced with these types of cases may be able to protect the legal rights of their client, as well. Many individuals do not want to end up in a situation where they have to disclose their entire intimate history to a complete stranger.

A divorce and domestic violence attorney can also assist their client with issues related to child custody. Often times, if a child is involved in a violent environment, his/her best interests are not being represented. Unfortunately, many times, family law attorneys do not fully understand the laws surrounding child custody and what the courts expect. If you feel that your child has been severely neglected, you will want to discuss this with a family law attorney. The attorney can explain the legalities and the factors involved in child custody and why you as a parent are being served the punishment, rather than the abuser.

A divorce and domestic violence attorney can also be very helpful when it comes to dealing with other legal issues. For instance, many individuals who are in an abusive relationship are often times denied access to the family court. If you or a loved one have been abused by a spouse or partner in a civil or criminal setting, it is important to consult a family law attorney as soon as possible. There may be things that need to be done at the family court level in order to protect the victim and ensure he/she has the ability to pursue the abuse charges against the perpetrator. An experienced attorney may even be able to file motions in family court in order to prevent the abuser from returning to the scene of the crime.

family law attorney serving in all of Florida It is imperative that individuals who have experienced abuse in a divorce case seek legal counsel as soon as possible. Victims of spousal abuse or violent relationships should never ignore calls from their lawyer or any information they may have regarding abusive behavior. Many victims of this type of crime tend to be fearful and do not express many concerns to family or friends. This means that they may be further victimized if they choose to remain in an abusive relationship, said family law attorney serving in all of Florida.

It is very important for victims of domestic violence to seek legal counsel immediately after being the victim of abuse. If the victim does not seek legal counsel, he/she is putting themselves at risk of not only further victimization but may also put the physical safety of their children in jeopardy. A family law attorney can not only advise them on legal action they may have to take, but can also help them deal with creditors and the various systems that they may be dealing with after the divorce. It is very important for survivors of domestic abuse to seek legal representation as soon as possible after being the victim. There is so much that can be done in order to ensure the safety and security of family, especially children.

Tax Law

Facing Tax Fraud Charges?- Read to Get the Best Tax Defense Attorney!

Tax fraud is a crime, which if not detected and dealt with can result in heavy tax penalties being levied on the offender. These tax fraud penalties can range from large fines to jail time and in some cases liens on one’s assets can also be imposed. Tax fraud can take many forms and there are various ways in which an offender can be charged for tax fraud. Some tax crimes include: filing false tax returns, willfully filing false tax claims, using the dead tax return as security for another tax debt, filing improper tax returns, using a tax coupon or a tax refund address stamp to avoid tax liability, using an unauthorized tax refund advance and any state tax refund liens.

Because tax fraud is such a vast field of crime, many different types of crimes can fall under this broad heading. Criminal tax fraud penalties can include jail time, heavy fines and in some cases, even heavier penalties. If your tax evasion conviction triggers jail time, you may be required to pay the remainder of your tax debt immediately and for a long time. In extreme cases, tax fraud can lead to irreparable harm to your ability to obtain credit and can result in substantial loss of property and possibly even freedom.

It is always important to be fully aware of the tax fraud penalties that are available to you when you are under investigation. For instance, one of the most serious tax fraud penalties that you could be faced with relates to statements that are false or misleading. Any statement that is willfully misleading can potentially land you in hot water. If you have instructed a driver to use a particular address for tax purposes, when it is known that this address is actually a tax fraud destination, this is seen as a false statement on your tax return. In this instance, you could be sentenced to jail time, fines, and even criminal charges. As a careful taxpayer, it is important to ensure that you do not make any false statements on your tax return.

The penalties associated with the various tax crimes can also be classified based on whether the conviction was state or federal. Federal tax crimes include such major offenses as tax evasion, perjury, conspiracy, tax fraud, asset forfeiture, and bankruptcy. Many states have harsher criminal penalties associated with federal tax crimes, but a state conviction can still land you in jail time. Some states offer early parole statutes which allow federal tax fraud offenders to serve time behind bars prior to applying for pardon or release from jail.

tax attorney New Jersey Once you have been charged with a tax fraud crime, it is important to seek the representation of a tax fraud lawyer New Jersey. You will find that most criminal charges carry very significant fines and potential jail time. Even in instances where the fines are minimal, having representation on your side can make a huge difference in the outcome of your case. A tax fraud lawyer can negotiate with the IRS to achieve the most advantageous resolution for you. They will also be able to help you navigate the complex tax laws so that you can maximize the tax deductions you’re eligible to take. In many cases, expert tax lawyers can represent you through the appeals process and can also represent you in court if the prosecution choose to go that route.

As you can see, there can be many consequences associated with willfully avoiding your obligations. Many times, a simple payment agreement or an education program may be all that’s needed to avoid jail time and hefty fines. However, in some cases, criminal charges are necessary to prove that you were willfully negligent in your financial affairs. If this is the case, it’s important to hire a tax fraud attorney who can help secure your innocence and get you through the toughest legal situation possible.

Tax Law

Handling Tax Debt and Liabilities Easily- Tips and Tricks

Tax fraud, according to a tax fraud attorney in Virginia is the deliberate evasion of the repayment of taxes, usually by failing to provide correct information or omitted parts of documents from your tax returns. This occurs much more frequently to individuals who are self-employed or own small companies. The tax code is very complicated and the deductions and credits can be bewildering. One slip up can result in a huge tax debt. It is far easier to pay a small amount of tax than it is to accumulate a mountain of it.

tax settlement lawyer in Virginia Most tax fraud occurs when someone tries to avoid or delay filing their tax returns. There are several ways in which this can happen. Many tax professionals will offer tax education classes for clients to help them better understand how to avoid the complications that tax filing can cause. It is a good idea to use the services of a tax attorney, because they will have the appropriate background and expertise.

Because tax fraud has grown in severity over the years many state governments have implemented tougher penalties for tax fraud. Individuals face jail time or fines if they are found guilty of submitting incorrect tax returns or of tax evasion. A tax lawyer can be helpful when you need tax relief because he or she will be able to prevent you from being charged with tax fraud. A tax lawyer will also be able to make sure that you receive the largest tax refund possible.

The penalty for tax fraud and tax evasion can range from large fines to years in jail. Those who choose to evasion or hide assets may face decades in prison. It is not uncommon for people to flee the country rather than face years in prison. Many tax evaders seek refuge in the Caribbean or other offshore islands. It may be to their benefit to avoid paying taxes in the United States.

There are a number of ways to determine whether you may be a victim of tax fraud or tax evasion. The IRS will not ask for an upfront consultation regarding your tax liability. The IRS is not out to hunt down those who do not owe what they say they do. The agency only pursues individuals who refuse to pay taxes on their initial consultation, in spite of the fact that they are legally required to pay them.

In addition to seeking an upfront consultation, taxpayers should be aware that there are a number of civil actions that can be filed against tax fraud or tax evasion. The Internal Revenue Service has special tax schemes and fines that are designed to stiffen tax liability. The most common tax fraud penalty is the payment of tax penalties. The fines associated with criminal tax liability can range from large penalties that send taxpayers directly to jail to smaller penalties that simply send taxpayers money. The IRS may also impose a large fine or criminal tax relief.

Tax Law

Local tax attorneys may help file for the extensions of legal orders

There are many reasons why a business owner may need to hire a local tax attorney. Local tax laws and regulations vary from area to area and can differ greatly from city to city. For example, some areas have income taxes while others do not. When you are prepared to prepare your yearly financial statements for your business, you should consider whether or not your area has local tax laws and what you would need to be prepared for if you did need to file a state or federal return.

Hiring a local tax attorney can help businesses and individuals properly and quickly file their taxes so as to comply with both federal and local laws. If individuals or businesses miss their filing deadline, local tax attorneys may help file for the extensions in order to allow more time or even, worse, jail time if one missed the deadline by just a few days. The local tax laws and regulations are extremely intricate and can be very confusing for the average person. If you need help with any federal or state tax issues, you should consider contacting a local attorney who can provide valuable and experienced advice. For more information and legal tax procedures please visit this site at https://www.northcarolinataxattorneys.net/charlotte-nc/.

The majority of local tax attorneys work on a contingency basis, which means that they only receive a percentage of any money won in court. This is because most of these types of legal issues usually involve huge amounts of money and many legal cases can last years before the courts decide and settle. Therefore, the very fees a lawyer receives are usually small compared to the large legal fees involved in resolving these types of legal issues.

Many business owners also elect to retain tax attorneys offer professional tax resolution services. They represent the company or individual in a court case and attempt to resolve issues involving payroll, real property and commercial tax disputes. Often these tax controversies occur out of minor misunderstandings and often have nothing to do with the owner’s personal taxes. When faced with a tax controversy, it is always best to seek the assistance of a local tax attorney. Not only can these professionals provide guidance with the relevant laws and regulations regarding their area of expertise, they can also provide support throughout the legal process, as they are familiar with local court procedures and laws.

Some of these types of legal issues can include disagreements over unpaid payroll taxes. If employees are not properly paid for time spent working, the government can hold them liable. A tax attorney could negotiate a compromise agreement in which the employee will pay a small portion of the taxes owed. This could resolve the issue quickly and fairly, avoiding further legal troubles for both parties. In some other circumstances, the tax attorney could even represent the business in an audit situation. An experienced lawyer can also be helpful in reviewing documents and records that might contain information that can be used to delay or prevent the resolution of the dispute.

In most cases, it is not difficult to understand why tax attorneys are so valuable to businesses. From the beginning to the end of any tax return, they can advise clients on how to properly prepare their documents and save money. In the end, hiring local tax lawyers is usually the best way to protect finances. With their experience and knowledge, they can represent clients in both high and low income areas, allowing them to resolve any issues promptly and efficiently. They can also be very helpful in resolving issues surrounding audits and appeals.

Business Law

Business Law- Role of Lawyers in Handling Contracts and Deeds

It is extremely vital for every business owner and CEO to find the right Chicago small business attorney as soon as possible for major disputes or any problems that may arise in the future. This can be critical if you want to save your business, your job and your personal relationships. The right Chicago small business attorney will be able to handle many of the most crucial issues regarding your business as well as help you with the best possible outcome. This article will give you the low down on what to look for when hiring an attorney.

“Although we are a Chicago based business law firm, all of our legal services are provided outside of Chicago City. In fact, we provide all of our legal services nationwide, but we specifically focus our attention in Chicago. We have a number of lawyers and staff members with diverse backgrounds and expertise who are committed to making you feel completely satisfied with our work. We’re also open to serving other states, but cannot guarantee that our Chicago clients will receive personal, one-on-one attention.”

“When it comes to small business transactions and litigating them, a corporate lawyer can aid a business owner by providing the right advice. It is easy enough for a company to make mistakes and have them be reflected in their corporate records. As a business owner, you may not be aware of all the laws that apply to you and your company, which means it’s important for you to hire a lawyer who has the knowledge of the ins and outs of the legal system in your specific state. A lawyer who understands the intricacies of corporate law can provide sound legal advice and can avoid problems before they occur.

Business mergers and acquisitions, or IPOs, also require expert legal advice from business attorneys. This is especially true for foreign companies wishing to incorporate in the United States. An American company must comply with all United States federal and state laws. Moreover, these laws are constantly changing due to recent Supreme Court decisions, which business attorneys are trained to interpret. An IPO requires specialized legal advice from an IP attorney who is well versed in issues surrounding mergers and acquisitions, and the related laws.

business lawyer in Chicago When it comes to incorporating a business, a general partnership, or a limited liability company (LLC), most business law attorneys will advise you to file under the general partnership laws. The partnership laws provide you the greatest protection regarding intellectual property issues and taxes. Furthermore, a general partnership will provide the greatest convenience when it comes to paperwork because partners share all of the same documents. However, some small businesses choose to incorporate as an LLC, said a business lawyer in Chicago.

If you have decided to incorporate as a small business, there is only one question that you need to ask your attorney, and this question only has one answer: Which business entity should I incorporate as? If you are a small business owner, your best option is to select the S corporation, which is a tax filing entity in most states. Your business entity will be recognized by the IRS as a small business and will enjoy many benefits including lower tax rates and no capital gains tax.

Probate Law

Learning the Basics in Probate Law, Guardianship

What is the Difference between a Probate and Estate Planning Attorney? While both estate and probate planning attorneys typically practice in the same field of the law, they do have some different differences,. An estate planning attorney generally deals with the legal process of estate management after someone dies. An estate attorney will also help establish who will receive the deceased person’s property in the event of a probate court decision. In short, the probate and estate planning attorney will work to complete the formalities of how a person’s property will be distributed when that person dies.

There are certain characteristics that all probate lawyers must have in order to practice in this area of the law. For starters, any good estate or probate lawyer should be a certified public accountant. That means that he or she has been educationally certified and has passed the state bar exam. They should also have several years experience in a similar field as the client and be familiar with the local probate laws. Finally, any attorney in this field should be actively practicing in their field for at least three years.

Probate lawyers have a number of specialties that make them uniquely qualified to handle any probate process. In some states, probate lawyers can represent anyone who has questions about their estate or is in need of legal advice. Others may even specialize in a particular area of the law such as wills, adoptions, or probate settlements. This type of attorney can make valuable contacts with other attorneys who can be of assistance throughout the probate process.

In many states, a probate lawyer may also take on cases involving probate and intestacy laws. In America, intestacy laws are designed to provide the deceased person’s estate the money it needs to distribute his or her property and assets to beneficiaries. If intestacy laws are violated, the court can appoint an estate planner to oversee the distribution of the decedent’s estate. The probate court appoints an administrator to handle the decedent’s affairs until the probate case is settled. In some states, the probate judge can also appoint an estate planner to assist in making these decisions.

Click here to get a free consultation with a probate lawyer. Probate can be very complicated for people who do not have experience in this area. If you think you are unsure of how probate works, contact an estate planning attorney as soon as possible. A probate lawyer will help you understand the entire process, answer questions, and guide you through the proceedings. This will help ensure that your wishes are respected and that your final wishes are met. This is one reason why it is so important to choose a probate lawyer who is experienced in this area.

Probate itself is very confusing. You need the help of someone who knows the ins and outs. An estate and probate lawyer can be your best friend in this process. If you are having problems finalizing your estate plan, or if you feel you may be the victim of inappropriate actions by a loved one, contacting an experienced estate and probate lawyer is your best option. There is no reason to put this process off. Contact a probate and estate planning lawyer as soon as possible to get all of the answers you need. Click here to get a free consultation with a probate lawyer.

Tax Law

How Tax Relief Attorney works with Tax Payers?

A Tax Relief Attorney is usually the recommended person when it comes to tax issues. Taxation is a very complicated subject and it requires the expertise of a Tax Attorney to sort out all the small details in between you and the IRS. Taxation attorneys are the experts when it comes to filing taxes. Taxation laws change often and a tax relief attorney will be well versed in those laws.

Tax Relief Attorneys are well trained to work with tax payers. They have all the required experience in this field and have heard it all before. Taxation laws can be quite confusing for people who do not have the necessary experience. Tax relief attorneys are there to guide tax payers and advise them on the correct way forward.

The Tax Relief Attorney will negotiate with the IRS for the client and loughrin will carry out his duties. Loughrin’s expertise in Tax Law will enable him to tackle any IRS problem and get it settled amicably. In case the taxpayer is not able to pay the taxes he is liable to, he will file a petition in the Tax Court of America. Tax attorneys represent their clients in Tax Court as well as before the IRS. It is important to hire a Tax Relief Attorney to handle your tax related problems.

Taxation is an area of controversy and many people end up having to pay taxes without being aware. Even though the process might seem simple, getting a criminal tax attorney is probably much more prudent. A criminal tax relief attorney will have more experience and knowledge in dealing with criminal and civil law. The attorney will be able to understand your predicament and come up with options that are best suited for you.

Tax relief attorneys represent their clients before the IRS and in Tax Court. They will know all the tactics needed to get you the tax debt relief that you deserve. Attorneys also have the knowledge to deal with the IRS and to build a strong case against the tax debts.

Tax attorneys have lots of skills that they can use to get their clients out of the hole and back to their normal lives. Many taxpayers who owe taxes find themselves unable to pay the debt on time due to lack of funds. Tax debt relief is very possible if the tax debtor gets hold of a good attorney. Tax attorneys like the best tax lawyer in Tennessee are there to help taxpayers take care of their dues and pay them in a timely manner.

Uncategorized

Basics in Understanding Bankruptcy; Role of Lawyers

How to battle bankruptcy and the problems that come along with it are issues that many people face in their lifetime. There are many ways to go about doing this, but if you have a lot of debt then you may not be able to go about this the right way. There are several things that you need to consider when it comes to handling your debt. You need to have all your ducks in a row in order to fight bankruptcy and make a debt transfer work for you. This means you will need to get a good financial lawyer who can help you with fighting back against your creditors.

One of the main goals that your lawyer helps you accomplish is to set up a repayment plan for you. This plan will be one that you can live with so that you do not have to worry about having to deal with your creditors constantly. A good financial expert can help you to get a plan together that will allow you to pay off your debt while helping you avoid filing for bankruptcy.

How to battle bankruptcy and the problems that come along with it is also about being able to pay off your debt quickly. Once you have a debt transfer setup, you will not have to worry about making payments to different creditors on a monthly basis. Your debt will be transferred into one account that will have regular payments made to it. This will allow you to get rid of your debt faster than if you were to continue paying it in intervals.

Another thing that your lawyer will be able to help you with is getting you on a budget. Many people struggle with the concept of making a budget. This is especially true if you have a lot of credit card debt because your income may be very irregular. The best way to battle bankruptcy and stay on top of your finances is to get a financial lawyer to help you out. They can work with you so that you are able to make a budget that is both manageable and affordable.

debt and financial attorneys serving in Florida

If you do have some assets that might be of value to liquidate in order to pay down your debt, your financial lawyer can assist you with that as well. Your bankruptcy will not allow you to claim any property or assets that belong to other people. However, this does not mean that you should not try to claim any assets that are of value. It is just that you need to consult with a financial expert first so that you are prepared for everything that might happen, said debt and financial attorneys serving in Florida.

How to battle bankruptcy and the problems that come along with it is not an easy process. There are many things that go into planning for a liquidation. If you want to avoid making a mistake, you should consult a financial lawyer who specializes in fighting bankruptcy. They can give you advice on how to manage your finances after you have filed for bankruptcy. They can show you how to fight back against the lenders that have taken advantage of you throughout your life. The last thing you want is to be on the losing end.