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Many people who struggle with bankruptcy know that they have too much credit card debt. If they ask for advice from friends and family, people will tell them not to use credit cards anymore and only to spend the cash that they earn. There are a…
There are numerous legal avenues for debt collection. Typically, businesses and individuals start by sending past-due notices or making collection phone calls. Eventually, if repayment is still not forthcoming, the party trying to collect on the debt may take more aggressive steps. Going to civil court…
Debt relief and debt solution programs come in all shapes and sizes. You might hear advertisements on the radio about a credit card debt settlement company or receive tempting balance transfer offers from your credit card company asking you to transfer what you owe to a…
There are few feelings as awful as being inundated with debt that you struggle to repay over the course of many months or years. It is even more frustrating when you had to take on that debt not for something that you chose to purchase, but…
If you are overwhelmed by debt, you are not alone. It is a widespread issue, albeit one that many do not like to talk about. The cost of housing and living has risen sharply over the years, whereas wages have not. A recent report put the…
Credit card debt has continued to grow and affect people throughout the years, but 2021 saw Americans living with close to $900 billion in credit card debt. It’s expected that Americans will add another $60 billion to that total by the end of 2021, which shows…
Spending money can be fun. Being in debt is not. While bankruptcy is not a magic wand that can transform the world from gloom to sun in an instant, it allows you a chance to make things better. Financial problems can lead to mental health problems.…
When you’re just starting out with your first job, first apartment and first real budget, it can sometimes be hard to make ends meet. You may have student loans, credit card debt and necessary expenditures that add up. It’s common to live paycheck to paycheck in…
Many people believe that medical debt is reported to the major credit bureaus and will result in damage to their credit scores. However, this isn’t necessarily true. In fact, medical debt won’t be reported to the credit bureaus as long as it stays with the original…
Individuals who would benefit from filing for personal bankruptcy often put off filing until they have no other choice. One of the reasons people procrastinate when it comes to filing bankruptcy is that they believe the myth that bankruptcy will permanently destroy their credit. Although bankruptcy…
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