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There is credit counseling, debt settlement, loan modifications, offers in compromise, creditor defense, and yes, even bankruptcy. A Boston-area couple who are in foreclosure, despite their herculean attempts to prevent it, have filed a lawsuit against Washington Mutual, one of the nations largest mortgage servicing firms.

Chapter 13, however, should not be confused with traditional debt consolidation programs Chapter 13 has the power of the Federal Code behind it, and provides many advantages for people seeking debt relief. The better you are at it the more you can charge for your services and the higher the demand will be for your own tailored approach to hair design.

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