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Be Debt Free
You’ve been struggling financially for some time now and the debts are starting to pile up. Maybe you lost your job, had your hours cut or have had to take some time off due to illness. In any case, debt collectors aren’t being very sympathetic. They’ve been calling...
Most people understand that the healthcare system in the United States is incredibly expensive. For a lot of people, the cost is so high that it's prohibitive. They can't get the care that they need because they simply can't afford it, even when they have insurance on...
There are several different kinds of personal bankruptcy. Of all of those options, Chapter 7 bankruptcy is the most restrictive. Only individuals who meet very strict financial requirements can file for Chapter 7 bankruptcy. You have to pass a means test before you...
Income taxes stop for no one. Even after you die, someone will need to file a final income tax return for you. If you recently filed for Chapter 7 bankruptcy, you may wonder how it will affect your income tax filing this year. First, it’s crucial to understand that...
If you want to discharge your student loans through bankruptcy, you need to claim they cause you “undue hardship.” The problem is, no one is sure what that means. Some people have succeeded in persuading a court they are suffering undue hardship and got their loans...
Bankruptcy can help those struggling financially relatively quickly. It can be a powerful debt solution that stops aggressive collection activity and even discharges the amounts you owe on unsecured debts. Despite these benefits, many people enduring financial...
Like a lot of other Americans, you’ve struggled with your finances over the last few years. It seems like the bills keep getting bigger, and your resources keep getting smaller. The only real thing you have of value that you own outright is your car or truck. Should...
You know that the lender can repossess your car if you're behind on your payments. They typically won't do this after one missed payment, though they usually could if they wanted to, but it's a more drastic step when it appears that you are not going to be paying...
When you have bills stacking up and a lot of overdue bills, it’s easy to start feeling pretty anxious. The constant collection calls, increasingly insistent letters and other contacts from your creditors can make you desperate for a solution. That’s exactly what some...
The holidays come with a lot of social pressure. People want to give gifts to their friends and families. They feel like they need nice outfits for religious ceremonies or office parties. There may also be pressure to travel or to host family members at their homes....