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If you are planning to declare bankruptcy, you will need to go through several steps. And one of them is getting credit counseling as required by federal law. In Tennessee, you need to get counseling within 180 days before filing for bankruptcy. One of the reasons…
If you’re going to declare bankruptcy, you know that your debts are going to be eliminated in some fashion. For instance, maybe you want to use Chapter 7 bankruptcy. This means you have to liquidate non-exempt assets, pay off a portion of the debt and then…
Financial insolvency can develop slowly as someone accrues debt due to unsustainable spending habits. Far more commonly, however, people who have spent a lifetime behaving responsibly could be at risk of aggressive collection activity and similar financial challenges after a single unexpected experience. Medical issues are…
After any length of time in an unhappy marriage, divorce can feel like the start of a whole new way of being – but you still need to navigate your post-divorce finances carefully. It’s not unusual for people to find that they’re struggling financially in their…
When someone finances a vehicle purchase, the vehicle they acquire serves as the collateral for the loan. Lenders can feel comfortable providing auto loans even when people have mediocre credit scores because they can repossess the vehicle if someone defaults on the loan. Vehicle repossession deprives…
Bankruptcy is a process that helps many people, like yourself, resolve overwhelming debt obligations, such as medical bills, credit card debt and student loans. The most common form of bankruptcy is Chapter 7 bankruptcy, which can resolve most debt obligations. Alternatively, people have applied for Chapter…
When people fall behind on their debts or credit card payments, they generally assume that they can catch up with a stricter budget. It is common for people to slowly accumulate debt while trying to keep their budgets as balanced as possible. Unexpected expenses or surprise…
Bankruptcy is a difficult process. As such, filing for this legal protection can evoke a variety of emotions. Anyone who’s considering bankruptcy should be prepared for what they may feel as a result of this turn of events. One thing that surprises some people who are…
Some people file for bankruptcy and swear off credit cards. They cut up the cards that they own and they say they will never get more in the future. The reason for this is likely that they blame those credit cards for their overwhelming debt. Maybe…
If you are considering a Chapter 7 bankruptcy, you may dream of a future without financial hardships. Since access to credit is more of a necessity than a luxury, many filers wonder when they can obtain credit again – and if they should. Unfortunately, the many…
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