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Bankruptcy is a nerve-wracking and emotional process that usually involves significant stress. As debts pile up, you may feel overwhelmed by the situation you find yourself in. Then, if you are contemplating bankruptcy, you may find yourself worrying even more about...
As you may know if you’ve been struggling with student loan debt, it’s almost impossible to get your student loans discharged in bankruptcy. That does not mean that bankruptcy couldn’t help you get back on your feet. Even when you have debt that can’t be discharged,...
Individuals in deep debt often experience considerable fear. Unfortunately, some creditors will take advantage of the anxiety and stress that accompany debt. For example, a credit card company may threaten to garnish your wages if you do not pay. But can they really...
You’re considering bankruptcy to get yourself a better tomorrow. But sometimes innocent moves you’ve made with assets in the past can affect your filing for the future. Hiding assets in bankruptcy proceedings is a serious offense, one that constitutes 70% of all...
While filing for Chapter 13 bankruptcy might initially seem like your best option, given that you can keep your house and car, consider carefully the commitment involved. Can you follow through on three to five years of payments? What is your end goal? The truth is...
Credit card debt in the United States has been steadily increasing for quite some time. Credit card debt is forecasted to increase by $60 billion in 2019. You do not have to be a part of this statistic. If you stay determined and focus on staying within your means,...
Financial peril can strike without regard to your status. Age, history, married, single, occupation, education – all are inconsequential. Only two things are important to remember. First, the government, through the Bankruptcy Code, has given Americans the chance to...
Most “workouts” mean sweating more, but loan workouts often let homeowners work things out with lenders to keep their home and stop the foreclosure process. They can help people relax a little. Reinstatement is one of the more common workouts, along with other...
One in every five Americans struggles with medical debt. The good news is that there may be help available. Before you pay medical bills with a credit card, consider negotiating with your healthcare providers – there are often opportunities to reduce what you owe. You...
In the golden years of life, one hopes that laughter and calm fills the day-to-day existence. Unfortunately, for some, those calm moments are few and far between. Gray bankruptcy is an unfortunate reality, fueled by everything from a rising cost of living and stagnant...