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Bankruptcy

What Is The Means Test?

When you file for bankruptcy, there are some important steps that must be completed before the court will consider your case. You will need to compile and submit a list of all your assets and debts, and you will also need to complete a series of financial forms. The Means Test The means test is […]

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Bankruptcy

Common Bankruptcy Mistakes

Many people seek debt relief through bankruptcy each year. Bankruptcy can be a great tool for resolving unpaid debts and getting back on track financially. However, the process is highly detailed and there are a number of mistakes that can prevent you from obtaining a debt discharge. If you find yourself in a situation where […]

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Debt Relief

Help! My Utility Payments Are Late

If you’re facing trouble paying your utilities, your options may be limited. While you might qualify for a payment plan or loan with your utility company; that option is often counterproductive when they add in the interest rates to an already delinquent balance. You could also ask a friend or family member to help you […]

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News

Pandemic Relief May Soon End

As the easing of regulations related to COVID-19 accelerate, the clocks of financial relief are running out of time. On March 13, 2020, the White House declared a state of emergency; an act that would lead to unprecedented legislative orders to assist Americans. Now more than a year later, many provisions for relief and assistance […]

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Chapter 13

Foreclosures In Chapter 13

Every year, millions of American homeowners fall behind on their mortgage payments. When their banks and lenders begin to threaten to come after the property, homeowners are terrified that they could lose their home. An underwater mortgage due to missed mortgage payments can lead to foreclosure and harassing calls from debt collectors. Fortunately, bankruptcy is […]

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Debt Relief

Erasing Medical Debt

Over the last decade, healthcare legislation reforms have focused on lowering the burden many face as the result of medical costs. However, research shows that medical debts and expensive medical bills are one of the leading causes of bankruptcy filings in the United States. In fact, numerous studies have shown that over 60 percent of […]

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Loans

Co-Signing On Debt

Co-signing for a loan is not an everyday occurrence. Many people with poor or under established credit may only be able to secure a loan with the help of a co-signer. Although co-singing is commonplace in some instances, there are risks involved to both the borrower and the co-signer if the debt becomes delinquent or […]

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Loans

Car Title Loan Scares

These days, many people are finding themselves drowning in debt or still suffering the consequences of prior unresolved debts. To stay afloat, some are turning to high interest, risky loans to make ends meet.  Perhaps even worse, are the predatory lending practices of some agencies to take advantage of these consumers. Poor credit scores, a […]

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Bankruptcy

Can Bankruptcy Affect My Job?

Bankruptcy is a legal tool that was intended to help the consumer, not harm them. Unfortunately, myths and misunderstandings about bankruptcy have led many people to have false beliefs about bankruptcy.  People often wonder whether friends, family, or their employer will find out if they have filed for bankruptcy. Although bankruptcy filing records are public […]

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Uncategorized

When Is Bankruptcy Right For Me?

Every year, millions of Americans are faced with financial problems that threaten their ability to provide for their families. The negative consequences of debt, income loss, and the inability to get out of debt can have painstaking effects. When reviewing options for relieving debts, not all solutions are created equal. In fact, there is a […]