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You may be on track for filing for bankruptcy. You know you are ready for a new start and to repay your debts, but you may not know what chapter to select during the process. It’s critical to choose the correct chapter in order to reap the most benefits for your situation. There are two main chapters for individuals: chapter…
You may be behind on your home payments, and you’re almost at the point where you feel like there is no way out of foreclosure. It’s an overwhelming and terrifying thought for most homeowners. No one wants to face losing their home. But there are some last-minute strategies you can try before allowing the foreclosure process to begin. It’s important…
Most consumers are aware of the impact of a bad credit score. It becomes a roadblock for receiving loans, applying for apartments or buying a car. Luckily, there are some ways to improve your credit score and ease barriers along the way. Know your score The first step is knowing your starting point, so you need to find your credit…
Most people complain about all types of bills. Or they wish they had more income for vacations, clothes or fancy cars. However, there is a significant difference in wanting more money and needing more money. Because complaining about money is so generalized, most people do not sufficiently know when they are heading towards a difficult financial situation. What to watch…
Our homes are a safe place from the rest of the world. It’s the place where: we finally relax at the end of a long day at work, raise our kids into mature adults or finally settle down after retirement. Our homes are a special place in our hearts. That’s what makes the foreclosure process more devastating. Many families or adults…
Bankruptcy is intimidating for most participants, primarily due to the negative stigma surrounding bankruptcy claims. However, the financial option tends to be a fresh start for most filers and offers a new opportunity to reshape your future. It sounds like an excellent path for some folks, but what can participants expect after filing for bankruptcy? Will credit scores and debt…
Most people have some form of debt, whether it’s medical bills, car loans, mortgages or student loans. And if you start accruing multiple types of debt, it becomes overwhelming for you and your bank account. Luckily, there are several ways to manage debt in a way that is manageable and understandable for any adult. Determine your starting point Before you…
Harassment in any form is a terrifying experience. Oftentimes, it leaves people uneasy and fearful of how they can move on from their harassers. It’s particularly challenging when you are receiving harassment due to your debt. Many people who experience debt also experience creditor harassment, where bill collectors call your home, your work and threaten legal action over your unpaid…
When you are drowning in debt, getting constant harassing calls from creditors, you more than likely are tired of being stressed about your finances. You may be losing sleep at night, feeling like you’ll never escape this debt. You might be considering filing bankruptcy. Yet, you don’t know that much about it. Should you seek Chapter 7 bankruptcy or Chapter…
The world can be terribly unforgiving. You work ten years to save up your cash so you can put a downpayment on your first home. Then you keep working so you can slowly pay off the mortgage. Twenty years later, you’ve got $100,000 of equity in your home and you’re feeling great. Then, you lose your job and you can’t…