1. You want to keep your home but the bank is threatening to foreclose.
  2. You want to keep your home and it has not been sold at a foreclosure sale.
  3. You want to give up your home and don’t want to pay for it anymore.
  4. A creditor has seized your car but you want to keep it.
  5. You want to give up your car and not pay for it.
  6. A creditor has seized your car, sold it, and now wants to collect money from you.
  7. You are being sued.
  8. Your wages are being garnished or seized by the IRS.
  9. A court officer is threatening to seize property from you.
  10. A court officer has seized property from you and you want it back.
  11. You owe tax debts you want to get rid of.
  12. You owe tax debts and want to stop the interest and penalties from going up on them.
  13. You owe student loans and credit cards and want to get rid of the credit cards so you can pay the student loans.
  14. You owe a mortgage and credit cards and want to get rid of the credit cards so you can pay the mortgage.
  15. You owe too many credit card debts.
  16. You owe too much for medical bills.
  17. Creditors are harassing you.
  18. Your identity has been stolen.
  19. You are being evicted and want to stay.
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