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If you are struggling in debt, one thing you may have seen is that you could find some debt relief with settlement offers. These allow you to offer a portion of the debt you owe to your creditors. A creditor can decide if they will take that offer to close your debt....
Money crunches happen all the time, and it can be exceptionally difficult to navigate one major financial crunch after another. When the bills keep coming in faster than your money can keep up, where do you turn? If you’re like many, you may go either the payday loan...
If you are struggling to pay your debts, you might consider Chapter 13 bankruptcy. You may already know that unlike Chapter 7 bankruptcy, you get to keep your assets. However, it might surprise you to know that filing for Chapter 13 may also reduce the total amount of...
Filing Chapter 7 bankruptcy is more than just the procedural process with certain paperwork required. You are going to have to prove that you actually qualify for Chapter 7 bankruptcy. There are laws that limit the availability of Chapter 7 to those with an adjusted...
Every now and then, someone who could really benefit from bankruptcy says that they do not want to file because they’re afraid of having that black mark on their record forever. They worry that they won’t be able to buy a house, lease a car, get a new credit card,...
People often get creative when trying to deal with budget problems. If you have more debt than you can pay off, any kind of temporary reprieve can feel beneficial. Credit card companies can often tempt people in to even worse debt by offering them balance transfer...
This year has been especially challenging if you are in your 20's. Aside from the restrictions on your social life, you may have needed to rely on your savings to survive. If you have only been working for a few years, you may not have had sufficient money put aside....
If you pull out the Monopoly board this Christmas, there is a good chance you will end up owing the bank money and have to watch as it takes away all of your property. For some of you, this may ring a little too close to home. The added expenses the holiday season...
When you read about the difference between Chapter 7 and Chapter 13 bankruptcies, you may see that Chapter 7 requires you to sacrifice most of your assets. However, there is a way to retain specific assets. You can do so via a reaffirmation agreement. What is a...
For many years, bankruptcy has had a social stigma placed on it. Many people have been afraid to resort to it because of what others might say. In the same way, there has long been a stigma about mental health issues, especially among men. Many people do not admit...
