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DETAILED INFORMATION ON THE AFTER BANKRUPTCY CREDIT CARD
  Full Spectrum Lending Full Spectrum Lending
Issuer: Countrywide Family

TURN YOUR LOWER INTEREST RATES INTO LOWER HOUSE PAYMENTS WITH FULL SPECTRUM LENDING!

If you haven't considered refinancing your home loan, you may be missing out on the best opportunity in years to save money. Today's low interest rates allow you to swap high-interest debt for a lower monthly payment.**

IT'S YOUR LOAN. IT'S YOUR CHOICE.
With your refinance loan, you can choose from at least two refinancing options to fit your current financial status. You may qualify for a loan of up to 90% of your home's value.

Use it as cash to:
* pay off bills
* fund home improvements
* put towards a child's education
* whatever you wish

And because the home loan interest paid is often tax-deductible, you may even save money on your taxes at the end of the year.

HURRY, THESE INTEREST RATES WON'T LAST.

** Refinancing or taking out a home equity loan or line of credit may increase the total number of monthly payments and the total amount paid when comparing to your current situation.
Equal Housing Lender. c 2002 Full Spectrum Lending, Inc. Trade/service marks are the property of Countrywide Credit Industries, Inc., and/or its subsidiaries. Arizona Mortgage Banker License Number BK18763; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act; Illinois Residential Mortgage Licensee, 8830-A South Cicero Avenue, Oak Lawn, IL 60453; Massachusetts Mortgage Lender License No. ML 1459, New Hampshire Mortgage Banker License No. 5346-MB; Licensed Mortgage Banker - NJ Department of Banking, 275 Route 22 East, #5E, Springfield, NJ 07081; Licensed Mortgage Banker - NYS Banking Department, 118-23 Queens Boulevard, Forest Hills, New York 11375; Rhode Island Lender's License. This is not an offer to enter into an interest rate lock-in agreement under Minnesota law.


YES, I WANT TO APPLY FOR A Full Spectrum Lending


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Finding The Right Answer For Your Debt Problems. Bankruptcy?

As credit card bills begin to stuff our mailboxes, many consumers are faced with the hard reality that they went overboard with their holiday shopping. And for those who don't pay the balance due in full, you'll also wind up paying interest charges. For some people this can be the beginning of the end as they can't see a way to manage the burden of their credit card and other debts.

"Wipe the slate clean", "escape the pressure of credit card debt", "call our bankruptcy hotline for an easy way out" the bankruptcy lawyers proclaim in their slick television commercials. Last year 1.6 million people filed for bankruptcy in the U.S. Is bankruptcy the right answer for your debt problems? Make sure you have the facts before making a decision that has lingering effects.

A bankruptcy stays on your credit report for 10 years. You'll be able to get credit in the future, but at higher interest rates, even after your bankruptcy is completed.