Collection calls and unpaid bills can cloud your financial future. For those with high levels of debt, there is help. Collection calls and unpaid bills can cloud your financial life. For those with high levels of debt, there is help. The Bankruptcy Center John D. Raymond helps people eliminate or reduce their debts by filing bankruptcy. They are able to avoid foreclosure while retaining their personal property. We can help you eliminate tax debts, stop repossession, and lower your car payment.