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Be Debt Free
Each year, the government releases information on the total number of bankruptcies that have taken place. In January 2021, the United States Courts reported that there was a 29.7% decrease in the number of bankruptcy filings from 2019 to 2020, which may have been...
One of the most common myths that people buy into about bankruptcy is that, if you file, it’s all your fault. In fact, this is, unfortunately, a reason that many people choose not to file. They worry about what friends, family members and business associates are going...
Unexpected expenses or limited know-how in managing credit often lead individuals to pursue bankruptcy. Since people are required to take classes to learn about budgeting and debt avoidance as part of the bankruptcy filing process, many people would assume that they...
By the time you file for bankruptcy, your credit will likely have already taken a significant hit. It will drop even further when you file. However, after your discharge, you are in a unique position that allows you to rebuild financially. Taking the right steps after...
Everything that matters in the life of U.S. residents typically requires making decisions. Even when you have chosen debt relief through bankruptcy, you must still make at least one more critical decision—what form of bankruptcy best meets your needs. These decisions...
There are several different kinds of personal bankruptcy available. If you own significant personal property or have an above-average income, then Chapter 7 or liquidation bankruptcy may not be the best option for you. Chapter 7 bankruptcy would require that you sell...
Going to college represents a step on the ladder to a lucrative corporate career or becoming a business owner for many Alabama residents. They felt that taking out student loans to complete their education was the right move because they expected to find a well-paying...
Just about everybody has experienced that sinking feeling of dread when their credit card bill comes in the mail and you finally have to confront it. Your balance is like a noxious weed growing in the backyard. One day. it’s manageable, and before you know it, it’s...
Some people’s debts reach such a high level that they can't envision paying them off within a reasonable amount of time, if ever. Those who find themselves in that situation often have to endure non-stop calls from creditors. Foreclosure proceedings, repossessions and...
Financing a vehicle purchase is a common practice. Most Americans don't have enough in their savings accounts to simply buy a new vehicle after a car accident or when their older vehicle develops mechanical issues. Many people trade in their existing vehicle and...