Advantages

• Most communications and all payments are made through a Court appointed Trustee
• Most creditors will stop further collection activity.
• Payment can be made to the Trustee by either a voluntary monthly payment or by a Court Ordered payroll deduction.
• Garnishments will be avoided or must be stopped if that creditor is included in the 128.21 action.
• You pay no additional interest or fees on your debt. You just pay 100% of what is owed as of the day you file your action