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By all accounts, more Americans are working right now than ever. Unemployment rates are at a 50-year low, wages are moving higher and the economy is doing well. So, why are so many ordinary people struggling under massive amounts of credit card debt? Well, there is a...
Have you taken a payday loan? Maybe your car’s brakes went out, and you had no other way to work. Maybe your dog got sick, and the vet bill was a bit heftier than you were prepared to handle. Whatever the reason you got there, you are starting to realize that those...
When you’re able to keep your home through a bankruptcy, you might be concerned about how much your payments are on it. For some, there comes a time when refinancing the mortgage becomes necessary. In these cases, you should understand your loan type and the chapter...
The more you review your finances, the more you realize that there is no way of escaping your debt. You’ve tried everything, just to realize that you’re in too deep to dig your way out of trouble. In this case, Chapter 7 bankruptcy is a financial strategy to strongly...
When personal debt reaches unsustainable levels, people have to start making difficult financial decisions. Do you pay the electricity bill, or do you buy groceries? Will you have to use credit to pay your basic expenses again this month, even though you're...
Some people tend to view their credit cards as emergency funds. If something goes wrong, they know they can just charge whatever they have to. Maybe you tend to spend $4,000 every month, for instance, and it’s all in your budget. Your card, though, has an $8,000...
The stock market has been healthy, and unemployment rates are low -- but consumer debt is on the rise. American families owe a combined $1.5 trillion in debt. Much of it is on credit cards, school loans and assets that depreciate quickly, like cars. For example, one...