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Difference between secured and unsecured debt Owing more than you can afford is stressful, and contemplating a Chapter 7 bankruptcy without any idea of how it works probably won’t bring relief. Though a fresh start may be just what you need, it’s important to know how...
Credit card debt in the United States The amount of debt that Americans has accrued in the last 40 years is staggering. Unsurprisingly, the biggest leap can be pinpointed around 2008 during the financial crisis, and it has been steadily increasing since then. The...
Realizing that personal bankruptcy is in a person’s near future can be one of life’s worst feelings. But bankruptcy laws help maintain a healthy economy and improve people’s lives. More than 750,000 Americans make use of the legal process annually. Temporarily giving...
Many people who are burdened with significant debt don’t want to consider filing bankruptcy because of how it will affect their credit. Some even think they will never have good credit again if they have a bankruptcy on their credit report. However, that is not the...
Bankruptcy can take more than a financial toll on an individual. There are often many psychological stressors that go with it. When people lose their most valuable assets they've spent decades obtaining, it can have a devastating impact on their well-being. However,...
Whatever the circumstances that led you to this point, you are deeply in debt and are looking for a way out. It is a very difficult spot to be in. You may be considering enrolling in a debt management plan rather than the more widely known option of bankruptcy. Which...
You’ve tried everything else that you can. The harassing phone calls and foreclosure or repossession threats can take their toll. People often turn to Chapter 13 bankruptcy in this situation to regain control over their debt by repaying their creditors over the next...
A negative stigma often surrounds the notion of filing for bankruptcy. Many people attribute it to a personal failing of some sort, but that often isn’t the case. In general, you may simply have a misunderstanding of what bankruptcy can do for you. Here are three...
Bankruptcy can help you deal with excessive debt. Whether you file for Chapter 7 or Chapter 13, bankruptcy helps you decrease your debt and reset your finances. But can you declare bankruptcy a second time? You may have completed a bankruptcy and then fallen into hard...
The thought of losing your house to foreclosure can be terrifying, but handing over your family’s home through bankruptcy doesn’t sound any better. But with the right bankruptcy filing, you could have the answers you need to set your fears aside. Bankruptcy is a...