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The American Journey to Be Debt-Free

The New Year, 2017, is well under way. For many Americans, this means the journey to be debt-free has just begun. According to the Fidelity 2017 New Year Financial Resolutions Study, the top three financial resolutions amoung Americans, for 2017, include saving more (50 percent), paying down/paying off debt and (28 percent) spending less (16 percent). An overhwelming majority of those surveyed (82 percent) consider it an ongoing resolution and are giving themselves the year to reach their goal.

The Decision

Founded in 2009, Foster Law Offices, LLC ( is exclusively dedicated to the practice of bankruptcy legal services—helping individuals and small businesses receive the debt relief they deserve through bankruptcy. Every day they meet with individuals, families and business owners who are just beginning the journey to achieve financial freedom. As with all change, it starts with a choice—a decision to be debt-free.

If you are contemplating the best path for eliminating your debt and getting a fresh start, a free consultation with a licensed bankruptcy lawyer is an excellent option and costs nothing. Attorney Daniel P. Foster, Foster Law Offices, LLC agrees, “The hardest part is often taking the first step, making the decision to ask for help”. At the consultation clients are offered one-on-one advice regarding their unique financial situation and a breakdown of their options—the paths they can take to achieve debt relief. “Every situation is unique. For some people, bankruptcy is the right choice. For others, debt negotiation will help them reach their goal faster”. Foster continues, “Before you commit to a deceptively advertised debt relief company, give my firm a call. Foster Law Offices, LLC has successfully serviced thousands of clients with obtaining the debt relief they deserve”.

Paths to Financial Freedom

The journey to be debt free can take several different paths. Ultimately, you must increase the amount of income you have relative to debt in order to be debt-free without any help. For many individuals suffering a divorce, loss of job, loss of income or medical issue—this simply isn’t possible.

Nearly one-million Americans are projected to file for bankruptcy in 2017. Filing for bankruptcy relief under Chapter 7 or Chapter 13 of the U.S. Bankrupcty Code allows individuals to petition the Court for relief and obtain a fresh start without suffering additional undue hardship. In addition, it is much safer than non-traditional debt consolidation companies—which operate with little oversight. In Pennsylvania, all bankruptcy proceedings are overseen by the Federal government. Debt consolidation/debt negotiation contracts, on the other hand, are not—which could potentially lead to expensive problems. According to Foster, you should exercise caution when it comes to negotiating your debt without an attorney. “Many individuals come to my office after wasting thousands of dollars and precious time on a debt consolidation scam or a failed negotiation”.

If you are interested in learning more about bankruptcy, contact Foster Law Offices, LLC v at 814-724-1165 or visit us online at to schedule a free consultation. A licensed Pennsylvania attorney will sit down with you to review your situation and determine whether bankruptcy is an appropriate solution.

Foster Law Offices, LLC has offices conveniently located in Erie, Meadville, Franklin, Mercer, New Castle Warren and Pittsburgh.

Disclaimer: Foster Law Offices, LLC is a debt relief agency, helping people file for relief under the United States Bankruptcy Code. The information contained in this article is provided for informational purposes only, and should not be construed as legal advice on any subject matter.