Edward C. Sanchez, Debt Reduction Specialist, has developed a debt reduction process to help you break the debt cycle and pay down your debts. The information draws from the knowledge Edward has gained from his extensive experience interacting with individuals considering bankruptcy.
The FreshStartForms.com Debt Reduction program uses the “B.A.M” Process, a unique 3 step process that fundamentally change the way you consume on a daily basis. The steps are 1) Budget, 2) Audit, 3)Monitor.
After completing the B.A.M process you will have established a realistic picture of your complete financial situation. It is critical to have this information to determine if bankruptcy alternatives are available to you.