Getting out of debt and avoid bankruptcy is a dream that many people who are heavily in debt have.Years ago, it was was my dream too.The good news for me was I managed to avoid it. I paid back all my debts and avoided going bankrupt, which I feared was a near certainty.And there’s good news for you too: no matter how badly you are in debt, you can avoid bankruptcy and pay back the money you owe.That’s exactly what this book is about: the ultimate beginner’s guide on paying back debt and avoiding bankruptcy.In this book, we will cover the following topics on debt management and surviving bankruptcy: 1 - Strategies For Lowering Your Debt2 - Credit Counseling and Debt Management Plans3 - Your Best Alternatives To Bankruptcy4 - What Is The Pre-Bankruptcy Credit Counseling Requirement5 - Chapter 7 vs. Chapter 13 Bankruptcy: A Detailed Overview By the end of this book, you will know the best strategies to get out of debt and also will have received a detailed education on the subject of bankruptcy as well so you can