Debt Consolidation   Krumbein & Associates recommends that individuals in financial distress consider "Bill or Debt Consolidation." "Bill or Debt Consolidation" is an advertising phrase used to describe the legal procedure more properly called Chapter 13. This procedure then, is an alternative to Chapter 7 "straight" Bankruptcy. Both Chapter 13 and Chapter 7 are sections or chapters of 11 United States Code.   If you are behind and feel you are slowly sinking into debt, Bill Consolidation is often times an excellent option. Bill Consolidation is not a loan, Bill Consolidation is a law which requires your creditors to take less money monthly and allow you longer time to pay them back. Bill Consolidation is a powerful law because it carries the weight of the United States Federal Courts behind it.   We can help you plan your monthly budget and determine your cash flow. You can lump most bills into one low monthly payment and the majority of your creditors must accept the pay-back plan if written correctly.   If you retain the services of Krumbein & Associates, we'll get you the protection you need. We'll file all the proper paperwork for you. Our payment is received over a period of time. When filed at the Federal Bankruptcy Court, Bill Consolidation stops foreclosures, wage garnishments, repos, and nasty calls. You may refer all bill collectors directly to us.   Call our office and arrange for a free 30-minute consultation with an attorney: make an informed decision if Bill Consolidation is right for you.