Chapter 7 vs. Chapter 13 Bankruptcy

After you’ve made the decision to file for bankruptcy, the next step is determining which type of bankruptcy is best for your financial situation. The most common types of bankruptcy filed are Chapter 7 and Chapter 13. Chapter 7 Bankruptcy Chapter 7 bankruptcy is often referred to as liquidation bankruptcy and involves the discharging of … Read More

Understanding Garnishments and Liens

Two of the most crippling aspects of living with debt are garnishments and liens. A garnishment is a usually mandated court order in which a part of your paycheck is withheld to be put towards a debt. Garnishments often continue until the entire debt is paid, or some arrangement is made to pay off the … Read More

Choosing a Bankruptcy Attorney


Once you’ve decided to file for bankruptcy, the next important decision you have to make is choosing the right bankruptcy attorney. If you’re completely new to the process, as most people are, this can be stressful and overwhelming. Use these tips to help you select an expert that’s best for your current financial situation. Study … Read More

Rebuilding Your Credit After Filing Bankruptcy

After filing for bankruptcy, you may be overwhelmed at the thought of having to rebuild your credit. And that’s understandable. Rebuilding your credit after a bankruptcy can be difficult, but it’s certainly not impossible. It’s worth noting that if you’ve filed Chapter 7, after filing, you’ll have a much more attractive debt-to-income ratio for lenders. … Read More

Creating a Budget: A Quick How-To Guide

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Creating and sticking to a budget is one of the most important steps in getting your financial life back on track, but doing so can seem daunting and difficult. That doesn’t have to be the case. These simple tips can help you craft a budget that you can stick to. Know your numbers. The key … Read More

Making the Most of Your Money in 2016

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Search any list of New Year’s resolutions and you’re sure to find at least one related to saving money or getting out of debt. It’s a resolution that’s hard to keep though, as you being to recover from holiday spending and the same bills start to pile up. As you kick off the New Year, … Read More

Saving for the Holiday Season

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The holiday season comes with plenty of reasons to celebrate, but if you’re suffering from financial hardship or debt, it can also be a time of great stress and anxiety. Instead of letting money woes sap your holiday spirit, consider some of these tips for saving this December. Get crafty. There are few things more … Read More

Understanding the Limitations of Bankruptcy

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Many people who opt for filing bankruptcy to get a handle on their financial lives do so under the assumption that once they do, all their fiscal woes will be resolved. And while there are many things that bankruptcy can do, there are several that filing for bankruptcy can’t do for your finances. Understanding the … Read More

Smart Strategies for Dealing with Collection Agencies


It’s not news that financial woes are one of the biggest stressors for the American family. And dealing with constant calls from collection agencies – while you’re at work, at school, at home eating dinner – certainly doesn’t help. In fact, the situation can make you feel entirely helpless, not to mention overwhelmed. If you’re … Read More

Busting Bankruptcy Myths

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When people hear the word bankruptcy, it elicits many different feelings. You may feel that bankruptcy is the end of the line, or that it reflects negatively on you and your ability to manage your money. The truth is, bankruptcy is perfectly viable option for getting back on track with your finances, and there are … Read More