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Be Debt Free
Any number of things can contribute to overwhelming debt that leads people to file for bankruptcy. Medical bills are often a factor. So are credit card bills, student loans and just the cost of living exceeding income. What if part of the reason you’re underwater is...
You’ve done everything you can to repay your debts -- but it hasn’t worked. You’ve crunched the numbers and you don’t see how you’ll ever climb out of your debt. Just the same, you’re worried about the effect bankruptcy will have on your credit and your future, so how...
They say, “Home is where your heart is.” What if your heart leaps every time there is a knock at the door? Do you consistently check the caller ID before answering the phone? Are you avoiding the mailbox, which is now stuffed to overflowing will bills and notices?...
If you have made the difficult decision to start a Chapter 13 bankruptcy, you’re not alone. There are many people who elect to go into bankruptcy to get back to a place of financial security, to get their debts on a monthly payment plan they can afford and to have...
Public perceptions about credit cards tend to vary pretty widely. Some people claim that they’re dangerous and they cause bankruptcy. Others, though, say that they’re necessary as a great way to improve your credit score. So which one is it? These conflicting views...
One of the most irritating things when you owe money to a business is getting the calls or letters saying that you need to pay them. Your nonpayment probably isn’t because you don’t want to pay them, but rather because you can’t. When you realize that you just can’t...
When you’ve got more bills than money, those persistent calls from debt collectors can weigh on your mind. You don’t know whether to send them straight to voicemail or answer them. Both seem equally distressing. How should you handle these calls? You don’t want to...
Chapter 7 bankruptcy is also referred to as liquidation bankruptcy. As the name implies, it can require that you sell or liquidate some of your property. It's faster and more aggressive than Chapter 13 bankruptcy. Thankfully, the equity in your home, your vehicles and...
There is a popular saying that you can't squeeze blood from a stone. When it comes to someone struggling with credit card debt, not being able to squeeze blood from a stone essentially refers to the inability of someone with limited income to meet all of their...
When you can no longer pay your debts, bankruptcy offers you a solution to escape those debts. Those you owe money may not be so enthralled with your decision to file. Does that mean you need to worry about a creditor trying to block your bankruptcy filing? Creditors...