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For some people, filing for bankruptcy is a decision that they make very slowly. They recognize that every month, their financial circumstances become a little more difficult. Eventually, when they have to start choosing what bills to pay, they decide to file for bankruptcy in the…
Once you decide it is time to file a Chapter 7 or 13 bankruptcy, much of your focus is on dealing with the associated requirements. For example, you must prepare for meetings and participate in educational courses. Most people are too consumed with bankruptcy procedures to…
Filing for bankruptcy is a significant decision that can be very emotional. Among the many worries individuals may have about taking this step, the fear of their children feeling ashamed or embarrassed can be particularly distressing. It’s essential to honor the fact that bankruptcy is a…
Times are tough right now, and a lot of people have exhausted their cash reserves just trying to cope with inflation. When a financial emergency happens, that can leave them without the immediate resources they need to handle the situation. That’s why many people turn to…
People file for bankruptcy for many different reasons. Sometimes, what they need is immediate relief from aggressive collection efforts. If someone falls behind on credit card payments, for example, a company might sue them in an effort to garnish their wages. When what someone owes is…
Bankruptcy and wage garnishment are two areas of financial distress that often intersect. Wage garnishment is a court-ordered process where a portion of an individual’s earnings is withheld by an employer for the payment of a debt. Bankruptcy provides an avenue for individuals to handle insurmountable…
If you’re in what are meant to be your “golden years” and mired in debt, you’re not alone. Bankruptcy rates among Americans 65 and older have increased significantly in the past few decades. If you’re considering filing for bankruptcy to provide relief from the mountain of…
These days, money is tight for a lot of folks – and a lot of businesses know that people simply don’t have the cash reserves or available credit for a major purchase. Hence the proliferation of ads trying to tempt consumers with “buy-now, pay-later” plans. These…
Wage garnishment is a legal process that allows a creditor with a valid claim to intercept a portion of someone’s income before they receive their paycheck, thereby forcing them to make payments on a financial obligation. A garnishment is often the outcome of a debt-related lawsuit,…
Bankruptcy may negatively impact your credit score, but it doesn’t have to define your financial future and well-being. As soon as the dust settles, it’s the perfect time to embark on a journey toward regaining financial freedom. Rebuilding your credit score is an excellent starting point.…
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