Home » Archives for March 27, 2016

March 27, 2016

Bankruptcy Alternatives – What Are My Other Options?

Jillian Taylor-Mancusi, LIT March 27, 2016

Book a free consultation

Confidential Consultation with our Licensed Insolvency Trustees

We'll find the solution that is right for you.

img:is([sizes=auto i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px}img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important}:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,#0693e3 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,#fcb900 0%,#ff6900 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,#ff6900 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px #fff,6px 6px #000;--wp--preset--shadow--crisp:6px 6px 0px #000}.wp-block-button{--wp--preset--dimension--25:25%;--wp--preset--dimension--50:50%;--wp--preset--dimension--75:75%;--wp--preset--dimension--100:100%}:root{--wp--style--global--content-size:800px;--wp--style--global--wide-size:1200px}:where(body){margin:0}.wp-site-blocks>.alignleft{float:left;margin-right:2em}.wp-site-blocks>.alignright{float:right;margin-left:2em}.wp-site-blocks>.aligncenter{justify-content:center;margin-left:auto;margin-right:auto}:where(.wp-site-blocks)>*{margin-block-start:24px;margin-block-end:0}:where(.wp-site-blocks)>:first-child{margin-block-start:0}:where(.wp-site-blocks)>:last-child{margin-block-end:0}:root{--wp--style--block-gap:24px}:root :where(.is-layout-flow)>:first-child{margin-block-start:0}:root :where(.is-layout-flow)>:last-child{margin-block-end:0}:root :where(.is-layout-flow)>*{margin-block-start:24px;margin-block-end:0}:root :where(.is-layout-constrained)>:first-child{margin-block-start:0}:root :where(.is-layout-constrained)>:last-child{margin-block-end:0}:root :where(.is-layout-constrained)>*{margin-block-start:24px;margin-block-end:0}:root :where(.is-layout-flex){gap:24px}:root :where(.is-layout-grid){gap:24px}.is-layout-flow>.alignleft{float:left;margin-inline-start:0;margin-inline-end:2em}.is-layout-flow>.alignright{float:right;margin-inline-start:2em;margin-inline-end:0}.is-layout-flow>.aligncenter{margin-left:auto !important;margin-right:auto !important}.is-layout-constrained>.alignleft{float:left;margin-inline-start:0;margin-inline-end:2em}.is-layout-constrained>.alignright{float:right;margin-inline-start:2em;margin-inline-end:0}.is-layout-constrained>.aligncenter{margin-left:auto !important;margin-right:auto !important}.is-layout-constrained>:where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width:var(--wp--style--global--content-size);margin-left:auto !important;margin-right:auto !important}.is-layout-constrained>.alignwide{max-width:var(--wp--style--global--wide-size)}body .is-layout-flex{display:flex}.is-layout-flex{flex-wrap:wrap;align-items:center}.is-layout-flex>:is(*, div){margin:0}body .is-layout-grid{display:grid}.is-layout-grid>:is(*, div){margin:0}body{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px}:root :where(.wp-element-button, .wp-block-button__link){background-color:#32373c;border-width:0;color:#fff;font-family:inherit;font-size:inherit;font-style:inherit;font-weight:inherit;letter-spacing:inherit;line-height:inherit;padding-top:calc(.667em + 2px);padding-right:calc(1.333em + 2px);padding-bottom:calc(.667em + 2px);padding-left:calc(1.333em + 2px);text-decoration:none;text-transform:inherit}.has-black-color{color:var(--wp--preset--color--black) !important}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important}.has-white-color{color:var(--wp--preset--color--white) !important}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important}.has-black-background-color{background-color:var(--wp--preset--color--black) !important}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important}.has-white-background-color{background-color:var(--wp--preset--color--white) !important}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important}.has-black-border-color{border-color:var(--wp--preset--color--black) !important}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important}.has-white-border-color{border-color:var(--wp--preset--color--white) !important}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important}:root :where(.wp-block-icon svg){width:24px}:root :where(.wp-block-pullquote){font-size:1.5em;line-height:1.6}.e-heading-base a,.e-paragraph-base a{all:unset;cursor:pointer}form[data-element_type="e-form"].form-state-success [data-element_type="e-form-success-message"],form[data-element_type="e-form"].form-state-error [data-element_type="e-form-error-message"]{display:block}.e-form-textarea-base:not([data-resizable]){resize:none}.e-form-submit-button-base{cursor:pointer;box-sizing:border-box}#wprev-slider-1 .wprevpro_star_imgs{color:#fdd314}#wprev-slider-1 .wprsp-star{color:#fdd314}#wprev-slider-1 .wprevpro_star_imgs span.svgicons{background:#fdd314}#wprev-slider-1 .wprev_preview_bradius_T5{border-radius:0px}#wprev-slider-1 .wprev_preview_bg1_T5{border-bottom:3px solid}#wprev-slider-1_widget .wprevpro_star_imgs{color:#fdd314}#wprev-slider-1_widget .wprsp-star{color:#fdd314}#wprev-slider-1_widget .wprevpro_star_imgs span.svgicons{background:#fdd314}#wprev-slider-1_widget .wprev_preview_bradius_T5_widget{border-radius:0px}#wprev-slider-1_widget .wprev_preview_bg1_T5_widget{border-bottom:3px solid}#wprev-slider-2 .wprevpro_star_imgs{color:#fdd314}#wprev-slider-2 .wprsp-star{color:#fdd314}#wprev-slider-2 .wprevpro_star_imgs span.svgicons{background:#fdd314}#wprev-slider-2 .wprev_preview_bradius_T6{border-radius:0px}#wprev-slider-2 .indrevlineclamp{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden;hyphens:auto;word-break:auto-phrase}#wprev-slider-2_widget .wprevpro_star_imgs{color:#fdd314}#wprev-slider-2_widget .wprsp-star{color:#fdd314}#wprev-slider-2_widget .wprevpro_star_imgs span.svgicons{background:#fdd314}#wprev-slider-2_widget .wprev_preview_bradius_T6_widget{border-radius:0px}#wprev-slider-2 .indrevlineclamp{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden;hyphens:auto;word-break:auto-phrase}.elementor-element.elementor-element-909ab56.elementor--h-position-center.elementor--v-position-middle.elementor-arrows-position-inside.elementor-pagination-position-inside.elementor-widget.elementor-widget-slides{min-width:100% !important}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important}@media screen and (max-height: 1024px){.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important}.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important}}@media screen and (max-height: 640px){.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload),.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *{background-image:none !important}.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important}}.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload).nitro-lazy,.e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) *.nitro-lazy{background-image:none !important}fieldset{border:none}.my-custom-btn .elementor-button-content-wrapper{align-items:center;gap:10px}.my-custom-btn .elementor-button-text{line-height:1}.form-horizontal .col-md-6{width:calc(50% - 5px)}.form-horizontal .col-md-4{width:calc(33.33% - 7px)}.form-horizontal .col-md-4 p{width:100%;display:block}.form-horizontal .col-md-4 button{width:100%;padding-top:13px;padding-bottom:13px;display:flex;align-items:center;gap:4px;justify-content:center}.form-horizontal .col-md-4 button svg{fill:white;width:16px;height:16px}.form-horizontal .col-md-4 button:hover{background:white;color:#51324e}.form-horizontal .col-md-4 button:hover svg{fill:#51324e}.form-horizontal{display:flex;flex-wrap:wrap;gap:10px}.form-horizontal p{margin-bottom:0px}@media all and (max-width:767px){.form-horizontal .col-md-4,.form-horizontal .col-md-6{width:100%}}.ti-widget.ti-goog .ti-header-write-btn-container .ti-header-write-btn{border-color:#0065a2 !important;background:#0065a2 !important}main#content,main#content .entry-title{width:1290px;max-width:100%;padding-left:10px;padding-right:10px}main#content .entry-title{padding-left:0px;margin-top:30px}li.cat-item.current-cat a{color:#0065a2 !important;border-color:#0065a2 !important}.gform_wrapper .gfield.buttonized .gfield_radio .gchoice,.gform_wrapper .gfield.buttonized .gfield_checkbox .gchoice{position:relative;text-align:center}.gform_wrapper .gfield.buttonized input[type="radio"],.gform_wrapper .gfield.buttonized input[type="checkbox"]{position:absolute;left:-9999px}.gform_wrapper .gfield.buttonized .gfield_radio label,.gform_wrapper .gfield.buttonized .gfield_checkbox label{display:block !important;position:relative;max-width:100%;padding:1em;font-size:24px;background-color:#0065a2;cursor:pointer;text-align:center;color:#fff}.gform_wrapper .gfield.buttonized input[type="radio"]:focus+label,.gform_wrapper .gfield.buttonized input[type="checkbox"]:focus+label{border-color:#040404}.gform_wrapper .gfield.buttonized input[type="radio"]:checked+label,.gform_wrapper .gfield.buttonized input[type="checkbox"]:checked+label{background-color:var(--e-global-color-text);overflow:hidden;color:#fff}.gform_wrapper .gfield.buttonized input[type="radio"]:checked+label::before,.gform_wrapper .gfield.buttonized input[type="checkbox"]:checked+label::before{content:"";display:block;position:absolute;top:-.75em;right:-.75em;left:auto;width:1.5em;height:1.5em;background-color:#0065a2;border-radius:0;border:0;transform:rotate(45deg)}.gform_wrapper .gfield.buttonized .gfield_radio label::before,.gform_wrapper .gfield.buttonized .gfield_checkbox label::before{display:none}.gform_wrapper .gt-q-1.gfield.buttonized .gfield_radio{margin-top:30px !important;display:grid;grid-template-columns:repeat(3,1fr);grid-gap:.5em 1em}.gform_wrapper .gt-q-2.gfield.buttonized .gfield_radio,.gform_wrapper .gt-q-3.gfield.buttonized .gfield_radio,.gform_wrapper .gt-q-4.gfield.buttonized .gfield_radio{margin-top:30px !important;display:grid;grid-template-columns:repeat(2,1fr);grid-gap:.5em 1em}#gform_1 .gfield_html_formatted{text-align:center}.buttonized .gfield_label{text-align:center !important;margin:40px auto 0 !important;display:block !important;font-weight:bold !important;font-size:26px !important}.buttonized .gfield_required{display:none !important}#gform_1 .button{padding:15px 40px !important;height:auto !important}#gform_1 .button:hover,#gform_1 .button:focus{padding:15px 40px !important;height:auto !important;background:var(--e-global-color-text) !important}#gform_1 .percentbar_blue{background:#0065a2 !important;opacity:1;color:#fff;z-index:1;position:relative}#gform_1 .gf_progressbar_title{text-align:center;font-weight:bold;opacity:1}body .gform_wrapper .gf_progressbar{background:transparent}.gform_wrapper .gf_progressbar:after{background:rgba(73,173,219,.3)}#gfield_description_1_5 ul{columns:2;margin:40px auto;display:block;width:100%;max-width:400px;font-weight:bold;list-style-type:circle}#gfield_description_1_5 ul li{list-style-type:disc !important;margin-bottom:5px;font-size:17px}#gform_1 input[type=text]{border:1px solid #c1c1c1}.gform_wrapper .field_sublabel_hidden_label .ginput_complex.ginput_container input[type=text]{margin-bottom:0 !important}#gform_submit_button_2{margin:0 auto;display:block;background:#0065a2 !important;font-size:18px !important}#gform_submit_button_2:hover{background:var(--e-global-color-text) !important;color:#fff !important}.gform_page_footer{display:flex}.gform_next_button{margin-left:auto !important;margin-right:0 !important}#gform_submit_button_2{margin-left:20px !important}.result{position:relative;padding-right:50px;display:flex;align-items:center}.result::before{content:"✔";display:block;width:30px;height:30px;background-color:#66cda3;-webkit-border-radius:50%;-moz-border-radius:50%;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;margin-right:10px}body.debt-disqualified .qualify,body.places-disqualified .qualify,body.places-disqualified .qualified.qbutton,body.debt-disqualified .qualified.qbutton{display:none !important}body.debt-disqualified .debt.result p::before{background-color:#cd6666;content:"âœ•"}body.places-disqualified .owe.result p::before{background-color:#cd6666;content:"âœ•"}body.qualified .disqualified,body.qualified .disqualified.qbutton{display:none !important}#gform_1 input[type=email]{border:1px solid #c1c1c1}.calc-btns{display:flex;align-items:center;justify-content:center}#gform_submit_button_1{background:#0065a2;color:#fff;border:none}.gform_next_button{background:#22a0d2;color:#fff;border:none}.gform_previous_button{background:#accee2;color:#fff;border:none}.calc-btns a{font-family:Montserrat,sans-serif;font-weight:500;font-size:18px;text-align:center;border:1px solid #0065a2;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-left-radius:0px;border-bottom-right-radius:0px;background:#0065a2;padding:12px 24px;color:#fff;margin:10px}@media only screen and (max-width: 768px){#gform_1 .gfield.buttonized .gfield_radio{display:block !important;flex-wrap:wrap}#gform_1 .gt-q-1.gfield.buttonized .gfield_radio>li{width:100%}#gform_1 .gfield.buttonized .gfield_radio label{width:100% !important;min-height:40px}.gform_page_footer{display:flex;flex-direction:column}.gform_page_footer .button{width:100%;margin:10px 0 !important}.gform_wrapper .gfield.buttonized .gfield_radio label,.gform_wrapper .gfield.buttonized .gfield_checkbox label{font-size:18px}#gform_submit_button_1{margin-left:0px !important}}