Yearly Archives: 2019
Tips on Handling Post-Holiday Credit Card Debt
Many of us spend too much money during the holidays. This can result in a lot of debt that you don’t know how to pay-off. Fortunately, there are many ways to get out of debt. Below are some tips for handling post-holiday credit card debt. Pay More Than The Minimum Balance If you only… Read More »
A Fresh Start to 2020: How Bankruptcy Can Help You
Many people fear bankruptcy because they fear the uncertainties and ramifications. However, bankruptcy offers many benefits to help people become debt-free. In many cases, bankruptcy is the best option for people who want to start over. It is also helpful for people who need help consolidating and eliminating debts but do not want to… Read More »
How to Survive Bankruptcy During The Holidays
Filing for Bankruptcy During the Holiday Season The holiday season is a joyous one. However, it can also bring on some stresses. Between shopping for gifts and hosting parties, the holiday season can become a financial strain. If you are already struggling with keeping up with mortgage payments, credit card bills, and other expenses,… Read More »
Is Filing For Bankruptcy a Sound New Year’s Resolution?
Filing for Bankruptcy After the Holiday Season Now that we are in the midst of the holiday season, you’ve most likely started ticking off your gift list. While it is the “giving” season, it could end up to be more “taking” after you get your holiday bills in the coming new year. If your… Read More »
Tips to Avoid Taking on New Debt During the Holidays
How to Avoid Holiday Debt During the holiday season, the pressures of spending money can be overwhelming — especially if you are struggling to make ends meet already. From buying gifts to hosting holiday gatherings, you can quickly end up with a bank account that is lacking funds. Now that the holiday season is… Read More »
How Black Friday Purchases Can Affect Bankruptcy
Filing for Bankruptcy After the Holidays Black Friday officially marks the start of the holiday shopping season. It may be tempting to take advantage of Black Friday; however, if you are planning to file for bankruptcy in the near future, your holiday purchases may not be eligible for discharge. Here’s what you need to… Read More »
Creditor Harassment Warning Signs
While debt collectors have the right to contact debtors when they fall behind on their payments, they are also mandated by law to refrain from any practices that are considered harassing in nature. According to the Fair Debt Collection Practices Act (FDCPA), creditors may not harass, oppress, or abuse any person while seeking payment… Read More »
How to Catch Up on Your Mortgage Payments
Avoiding Foreclosure Sometimes unforeseen financial burdens can cause someone to fall behind on their mortgage payments. Whether it’s mounting medical bills or the loss of a job, not being able to handle mortgage payments only adds more stress to an already disconcerting situation. Thankfully, Chapter 13 bankruptcy can be a viable option in helping… Read More »
How Does Bankruptcy Work During a Divorce?
Going through a divorce is complicated enough. Adding bankruptcy into the equation can add more stress and complications. Whether you’ve already started the bankruptcy process mid-divorce or you are separated, many things need to be considered. Filing for Bankruptcy Without Your Spouse Anyone can file for bankruptcy on their own at any time, whether… Read More »
Am I Able to Own Property After Filing for Bankruptcy?
For some, bankruptcy is the only option that can save a dire financial situation. Finding yourself struggling to pay off debt and keeping up with car and mortgage payments, can be both stressful and scary. There are many misconceptions surrounding bankruptcy that may deter someone from getting the help they need. One of the… Read More »