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What Is a Buy Now, Pay Later Service?

Buy Now, Pay Later (BNPL) Services for Groceries

With food prices at historic highs, more consumers are turning to buy now, pay later services for their grocery purchases. Companies such as Klarna, Zip, Zilch, Affirm and Afterpay seem so convenient. Klarna reported that more than half of the top 100 items its app users are now buying are grocery or household items.
66% of BNPL borrowers considered subprime. This makes them especially vulnerable to recession. If you miss a payment there could be late fees, deferred interest or other penalties. When the service reports to the credit scoring companies a late payment could affect your credit score.

How We Use the Power of Bankruptcy to Protect Clients

People who get caught up BNPL debt can protect their home, car and family with bankruptcy.

Ask about our no money down Chapter 13 options!