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People are often quick to only blame the person who took out a loan or a line of credit if they can’t pay it back. They assume that this individual made a mistake and took out an unaffordable loan. But some types of lending are actually…
When you owe money and do not have the resources to pay the debt in full immediately, creditors may choose to take you to court. If they have evidence validating the debt and their claim that you fell behind on payments, they could secure a judgment…
Those who are in debt are often stereotyped as reckless spenders. The truth is that millions of Americans find themselves in debt through no fault of their own. Facing substantial debts can be stressful and it is by no means an easy situation to get out…
It sometimes feels like everyone uses credit cards almost all of the time. But this is certainly something of a new phenomenon, and there are still big differences in the ways that various generations view and use these cards. Considering the fact that credit cards often…
Many who owe creditors thousands of dollars try multiple methods to pay off such debt. However, many supposed techniques for debt relief simply do not work. They could even make your circumstances worse. If you are determined to explore every possibility before investigating bankruptcy as a…
Your mortgage is arguably the most important monthly bill that you pay. Contributions each month help reduce the total balance owed and increase your overall equity in the property. After multiple decades of payments, you will own the property outright. Your home may be the biggest…
In Chapter 13 bankruptcy, a person works out a repayment plan with the court. The plan, which typically runs three to five years, has to be approved by a bankruptcy judge at a confirmation hearing. A debtor has the chance to modify their repayment plan prior…
Your vehicle is one of your most important possessions. Without it, you might lose your job or not be able to take care of your family properly. If you are like many working professionals, you don’t fully own the vehicle that you drive. It is a…
Filing bankruptcy can help you when your financial situation gets out of control. However, it can also cause your credit score to fall. While this may be disappointing news, the truth about how bankruptcy impacts your credit score may help you see why filing may be…
Most people find having revolving lines of credit to be a necessity in the modern economy. Credit cards help people balance budgets when they don’t have enough income one month or have unexpectedly high expenses. People can borrow money in a short-term manner for necessary expenses…
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