If you have ever filed an income tax return, you likely know the documents used are called “schedules.” Schedules are also used when you file for bankruptcy. The various schedules associated with a bankruptcy filing can be complicated, which is why it is so important to work with a skilled professional. Would you like to […]
Determining whether bankruptcy is the right choice for you might be the toughest decision of your life. Though the consequences of bankruptcy are long-lasting, for many it is the best option for ending financial hardship. What questions do you need to ask yourself if you are debating filing for bankruptcy? What is My Current Employment […]
5 Things to Know about Bankruptcy Are you considering bankruptcy but you still are not sure it is the right option for you? If you are in the gray area between serious financial issues and actually filing for bankruptcy, you are not alone. It is important you take time to consider all of the consequences […]
Most bankruptcies go smoothly and are the right solution for solving serious financial problems. This is especially the case for people who work with an attorney when filing their bankruptcies. Bankruptcy attorneys offer guidance and support through an unfamiliar situation. Unfortunately, there are instances in which this is not the case and if you face […]
If you are behind on your debt and receiving calls from creditors, it might seem as if they will stop at nothing to get you to pay. They can be relentless, but there are certain things the law prevents them from ever doing. If a debt collector does any of the following, they are breaking […]
Many debt collectors behave professionally and work within the letter of the law to collect debts owed to their clients or their own companies. Unfortunately, there are also those that behave unscrupulously and mistreat consumers, sometimes to the point of breaking the law. Whether you have been approached by an above board debt collector or […]
Zombie debt is old debt that “comes back to life.” In the world of money lending, debts are often sold to other financial institutions and when an old debt is sold to a new debt collector, that debt collector sometimes tries to revive it by intimidating the borrower into paying. The key to surviving zombie […]
Consumers have certain tools available to them that offer protection from debt collectors. This is especially useful if you think you have been contacted by a debt collector about a debt that you think is not yours or you are not sure is valid. Debt validation is a process that allows you to request and […]
Using bankruptcy successfully is about more than just “wiping out” your debt. It requires a change in your spending habits and your overall approach to money. If you file for bankruptcy and return to your previous spending habits within a year or two, it won’t be long until you are in the same dire financial […]
Congratulations! You have made your way through bankruptcy and are ready to begin your new financial life. Or… you are contemplating bankruptcy and you want to know what steps to take in the future to avoid the financial struggles you face now. Now matter where you are in your bankruptcy journey, there are a few […]
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