Are you sick of banks charging 34% interest on credit cards, then paying you 1% on savings, only to claim they need more profit? You gave them a massive bail out. Banks still get 0% loans from the government. Yet they still claim you – the taxpayer supporting them — are not deserving of credit. This is so wrong. If your bills are piling while savings dwindle, you found your ultimate solution. You must be ready for for a better way — a proven Chapter 7 bankruptcy means test strategy — because you and the ones you love deserve an equal chance. This site is about that equal chance, profitable solutions, and getting you back on track to enjoy true financial freedom. This is far easier than you may now think. My name is Dave Clark and I want you to know that your current financial situation is nothing more than a starting point. You should not fear the Chapter 7 bankruptcy means test. In fact, you can use this tool for a decisive personal advantage. You have an amazing variety of options provided by law. You have easy alternatives for cutting credit card payments in half without filing bankruptcy. You have extremely powerful and unquestionable rights provided by the US Bankruptcy Code that no creditor can deny. You may be able to stop making credit card payments today. You could wipe out all debts in less than four months with personal bankruptcy and keep everything you own. Use your options wisely. Consequences follow. I want you to know how to win the money game with little risk and great rewards. I want you to know how, when and why you may choose to change the results of the Chapter 7 bankruptcy means test. These same techniques are equally advantageous if choosing Chapter 13. I invite you to consider a proven over-arching strategy to resolve financial problems. You may or may not be best served by filing personal bankruptcy. I believe everyone should seek and demand a beautiful solution that protects you, your family and the ones you love. This solution will insure that your financial security remains in tact and net worth increases dramatically. It’s okay to get excited. Your ultimate solution will guarantee your future investments grow steadily for years to come beyond the reach of almost all creditors. Finding your ultimate solution is easier than you may now think. With a little help, you can claim your rights guaranteed by the U.S. Constitution and the U.S. Bankruptcy Code and perhaps avoid personal bankruptcy altogether. However, if you do file, nail it for the greatest benefits possible. If you pay the price, you deserve the benefits. Practicing law is not a science even though applying black-letter law. There is always a little wiggle room when appearing in court, differences in attorney abilities, and small biases and preferences that juggle each judge’s rulings. Add a high level of experience over 25 years, and the wiggle room becomes a highly profitable and predictable advantage for the winning side. When you know a probable outcome in advance, you are not gambling, you are an expert with a decisive advantage. Experience is the key for exploiting these advantages with precision. You too could probably go to law school and practice law for 25 years. At this point, after representing over 5,000 clients, you too will know with a high degree of certainty what, when, and how to claim maximum advantages using both Chapter 7 and Chapter 13. I graduated with a B.S. degree in Economics and a minor in Finance. I worked as bank examiner for several years before going to law school. Once graduating law school with honors in 1984, I accepted a job as an associate in large metropolitan law firm and represented some of the wealthiest corporations in the U.S. However, I was not satisfied. No, not at all. I knew the attorneys representing large corporations. I had been one of them for five years. I knew their level of expertise and their tactics. I found my true calling and fell in love with practicing law again. I began working harder to earn less representing ordinary workaday consumers. I began thinking of large corporations as bloated whales, driven by arrogance and greed, as they systematically rolled over working moms and pops. I became fascinated with fairness, liberty and justice for all. I demand the fair and impartial application of the U.S. Consitution for all. This is fun. This is gratifying despte all of the wealty special intersts that attack me daily. I upped the ante and swore to bring a great fight to their front door. That was 20 years ago. I grew as a person and recognized the greater bottom line: people matter, not paper. You and I will see FOREVER from the top of a pristine mountain. My love for the law and this pure purpose still drive me. I smile often, daily, proudly. I remain more committed than ever before. Everyone coping with a financial problem has extraordinary options. Your options are almost unlimited. The best results do require a solution designed with the end game in mind. You may want to compromise your personal options in one area to maximize another to achieve the best overall outcome. With one over-arching strategy supported by many complementary tactics, your best results can be virtually guaranteed. The best way to see your potential end result, in advance, is use a common measure. You may even want to mix and match the most profitable benefits and advantages of the following alternatives: In my personal bankruptcy strategies manual, I explain the advantages and disadvantages of each of these alternatives. In some cases, using four or five of these alternatives creatively will maximize your end result. I have included a series of worksheets and instructions intentionally designed to help you find your ultimate solution. You will see, in dollars and cents, how each of these alternatives could help you. You will complete worksheets in the privacy of your home to…
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