WARNING: The New Bankruptcy Law Was Written by the Credit Card Banks. It's Loaded with Secret Traps that Will Destroy the Lives of Millions of Americans. Don't Become Yet Another Victim! Get the Facts!

Last Updated January 25, 2010             

The new bankruptcy law passed in 2005 is very different from the old bankruptcy law. This new law was written by the credit card banks so it should come as no surprise that it's loaded with clever tricks and traps each designed to punish consumers who seek debt relief through bankruptcy.

The good news is - you can still use the new bankruptcy law to wipe out your debts but the new bankruptcy process is more complicated than before so filing for bankruptcy debt relief is now like tap dancing through a minefield. Make one small mistake and you'll end up living in financial slavery for five long years!
 

Bankruptcy Trap #1 - The Dreaded Chapter 13 Trap

The first trap is the biggest one - the dreaded Chapter 13 trap. With a Straight Bankruptcy or Chapter 7 bankruptcy the judge in bankruptcy court bangs his gavel and all your debts instantly and permanently vanish. Believe me, this is the kind of bankruptcy you want!

But under the new bankruptcy law it's more difficult than ever to qualify for a Chapter 7 bankruptcy. Under the new bankruptcy law the bankruptcy court has a formula it must use to determine if you qualify. If you fail this test, you're forced into a very different kind of bankruptcy - the Chapter 13 bankruptcy.

Under the Chapter 13 bankruptcy your debts remain intact. You're forced to repay each and every one. All a Chapter 13 does for you is extend the terms of the loans giving you more time to pay. You get five long, long years to repay every penny you owe!

Problem is, under this approach your lifestyle is going to suffer terribly. According to the old bankruptcy law the bankruptcy court had the freedom to choose how much of your monthly income they would allow you to spend for living expenses. Now all that has changed. Under the new law the judge has no option.

The portion of your earnings you get to keep to live on is determined instead by an IRS table. If you live where I live that means you'll have to make due on only $672 per month! Who said slavery is dead? Imagine having to live on less than $700 a month for five long years! But you should know that there are several ways to be sure you don't fall into this terrible trap.
 

Bankruptcy Trap #2 - Losing Your Credit Cards Trap

Ask any bankruptcy lawyer and they'll tell you that anyone who files for bankruptcy protection automatically loses all their credit cards. This simply isn't true! Though your bankruptcy lawyer will never reveal these tricks, there are ways to keep your credit cards even though you've wiped out your other debts through a chapter 7 bankruptcy.
 

Bankruptcy Trap #3 - Losing Your Car Trap

Here's another bankruptcy myth. Again any bankruptcy lawyer will tell you to kiss your car goodbye. But what they won't take the time to explain is that you can keep your car and it doesn't even matter if it's leased or financed. 

It's a little-known fact that there are creative legal ways to use the automatic stay the court provides to protect your car. You can even stop a repo man cold when he comes to grab your wheels in the middle of the night! You need this information!

Bankruptcy Trap #4 - The "Means Test"

Under the new bankruptcy law anyone who earns more than the average income for their state is automatically barred from filing a personal bankruptcy. What very few people know is that there are ways to sail right past the means test. I'll show you how! 

Bankruptcy Trap #5 - The Asset Confiscation Trap

The new bankruptcy law protects certain kinds of assets from being confiscated by the bankruptcy court. Very few people know about this. Learn how to move your money into these protected assets and legally shield your cash from the bankruptcy court.


Bankruptcy Trap #6 - The Homeless Trap

Did you know that a second mortgage can be used to save your home? It's true! I'll show you how this little-known ploy can help you save your house and your home equity.

Bankruptcy Trap #7 - The Car Confiscation Trap

This is a new lawyer's trick. There is now a way to lease a car so that the bankruptcy court can't touch it! You can then use a Chapter 7 Bankruptcy to wipe away your debts and through it all you get to drive around town in a luxury car of your choice! And the best part is - the bankruptcy court can't do anything about it! One friend leased a new Mercedes for seven years. He wiped out his debts through bankruptcy but still gets to drive his Benz around town for five more years!

Bankruptcy Trap #8 - The Cash Confiscation Trap

The new bankruptcy law contains a provision that allows a person to legally stash $4,000 in cash in an asset the court can't touch. It's all fully supported by the new law. Get the facts.

Bankruptcy Trap #9 - The Foreclosure Trap

The new bankruptcy law gives you several new tools to help you save your home from foreclosure. I'll show you how to take full advantage of all the new rules!

Bankruptcy Trap #10 - The Failure to Plan Trap

The new law has a number of hidden traps so pre-bankruptcy planning is more important than ever! Learn how to plan and time your bankruptcy filing for maximum effect.

FREE BONUS: The No Bankruptcy Bankruptcy!

This is an incredibly clever trick a Las Vegas lawyer came up with for the use of his wealthy clients. There's a way to use the mere threat of bankruptcy to force the people you owe to willingly cancel all your debts without ever actually filing for bankruptcy protection with the bankruptcy court! And the great thing is - you can do this over and over again as often as you like. The rich and famous use this trick - why shouldn't you?

But why should you worry about all this? Won't your bankruptcy lawyer take you under their wing and reveal all their secrets? No, sadly they won't. Bankruptcy lawyers have hundreds of clients who come and go. The lawyer's role is to whisk them through as fast as they can. The relationship they value the most isn't with their clients but instead with the bankruptcy court because that's where they make their living. That relationship is their meat and potatoes.

As a result you should never expect a bankruptcy lawyer to stick his neck out for you or take the time to fully explain the details that could make a huge difference to you. Instead they'll just push you through the bankruptcy process as quickly as possible, grab their fee and then move on to the next client.

In addition, under the new bankruptcy law lawyers are threatened with a host of new legal liabilities that could expose them to prosecution - even jail time! If the bankruptcy court feels your attorney has helped you circumvent the system, (even if what they did was completely legal) they can prosecute them for "conspiracy to defraud the government" and prosecute them under federal law!

Under these frightening new rules your attorney isn't about to gamble their entire careers just to save your skin.

Dear Friend,

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