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Be Debt Free
Waking up each morning worried about how you will meet your credit card payments is not much fun and can soon start to get you down. The same applies to any other debts you may be struggling to meet. The actions of creditors or debt agencies can worsen things. Don’t...
Many individuals who are struggling to repay their debts are tempted to file for bankruptcy. Almost as many hesitate to take advantage of this opportunity because they are concerned about what this course of action will do to their credit history and their credit...
Credit card debt is a major concern for many American households. Especially after the holiday season or major unexpected expenses, even the minimum monthly payment due on a credit card balance may strain a household's budget. People may see few options for paying...
When you are in debt that you can no longer pay, filing for bankruptcy may be your best option. You can choose to either file for Chapter 7 or Chapter 13 bankruptcy. The former liquidates assets, while the latter reorganizes debts. Therefore, with Chapter 13...
Life can be quite unpredictable. And part of this unpredictability may involve going through a rough patch – financially speaking. If you are going through a difficult time, with creditors and collection agencies in hot pursuit, you need to figure out a solution. One...
Filing for a chapter 7 bankruptcy can offer you relief from debt that you’re struggling to repay. It means that certain debts are discharged and you can become debt-free as a result. There may be debts that cannot be discharged under chapter 7 which you need some...
If your debts become insurmountable, they will probably impact most (or all) elements of your life. Overwhelming debt has even been linked to physical and psychological problems like high blood pressure and depression. Getting out of debt and back on track is a...
When taking out some form of loan or line of credit, it will generally either be considered unsecured or secured debt. The difference between the two comes down to a simple thing: security. When signing up to a secured lending agreement you’re usually required to have...
Filing for Chapter 7 bankruptcy is a powerful and immediate solution to debt problems. The same day that you file, you have the protection of an automatic stay. Creditors will no longer be able to call you, and you won't have to worry about a pending lawsuit brought...
There are various forms of bankruptcy available. If you are filing over your personal finances, you have two options: Chapter 7 or Chapter 13. Understanding the differences can help you make the correct choice. Questions to ask The first question to ask is how much...