Have your credit card debts become so large that you can’t even afford the minimum payments? Or perhaps you’re already behind and your accounts have been turned over to collections? What do you do to get out of this financial mess? If you are in this situation, maybe you’ve wondered about what the legal repercussions…
Are you struggling every month to pay your debts, especially your credit card bills? Are you always worried about not having enough left over for your mortgage, rent, food and other basic living expenses after you make your monthly debt payments? Do you want your credit card payments to be more affordable and manageable? One…
Are you struggling every month to pay your debts, especially your credit card bills? Are you always worried about not having enough left over for your mortgage, rent, food and other basic living expenses after you make your monthly debt payments? Do you want your credit card payments to be more affordable and manageable? One…
Read this if you owe the IRS money and can’t pay. If you just received a letter from the IRS for a tax bill that you can’t pay, you’re probably wondering what will happen next if you don’t have the money to pay them. Or perhaps you already know that you owe the IRS but…
IF you just received the dreaded first letter from the IRS saying that you owe them money, don’t despair. Perhaps you had a balance owing on your last tax return (or returns from past years) that you couldn’t pay. Maybe you got audited and you didn’t have the chance to respond. Perhaps you took money…
When people are going through financial difficulty and are unable to pay their bills, their first reaction is often to ignore their debts and avoid contact with creditors. They think that by doing this, somehow the creditors will simply give up and go away. Then one day they get a summons delivered to their home…
Are you struggling with debt problems and don’t know what to do? Are you doing your best to pay but simply can’t? Have you thought of filing bankruptcy but are afraid that this might not be the right solution to your problems? Filing bankruptcy is a personal decision that should be taken seriously. Whether or…
Most people who are struggling with debt problems for the first time are often confused and don’t know what to do. They’ve never been in this situation before. They have always paid their bills on time. For the first time in their life, they are finding it difficult to fulfill their debt obligations. Bill collectors…
Many people find themselves in the position of facing overwhelming debt, with constant calls from creditors and no obvious way out. For some, job loss sent them into a downward spiral, and they are now unable to pay their bills and meet their responsibilities. For others, a recent divorce or costly medical emergency drained their…
DO you want to get out of debt but are afraid that filing bankruptcy may only make things worse for you? Facing difficult financial times can be a frightening thing for a lot of people. When bill collectors are calling day and night, at some point, you realize that something must be done but you…
WHEN your financial circumstances are forcing you to declare bankruptcy, this can be one way of dealing with debts that you can no longer manage on your own. Of course, the decision should not be taken lightly, and it is best to consult with an experienced bankruptcy attorney to see if it is best for…
When debts spiral out of control, bankruptcy can become an invaluable financial recovery tool in getting you back on the right track. While it’s not for everyone, close to a million people every year find it to be their only hope of getting a fresh financial start. Debt problems can be the result of unemployment,…
IF you’ve ever had to file bankruptcy in the past for whatever reason, you probably told yourself that hopefully, you never have to do it again ever. But sometimes you never know where life takes you and if you ever find yourself in a financial bind where bankruptcy becomes necessary again, fear not. It is…
IF you’ve made the decision to file bankruptcy to get a fresh financial start, here are some things to consider in choosing between Chapter 7 or Chapter 13. Be aware, however, that your income and expenses have a lot to do with which chapter you will be able to file because the courts do consider…
Are you currently struggling with debt problems and don’t know what to do? To most people, finding themselves in that situation is pretty scary. They constantly worry about their finances and wonder whether they will ever be able to get out of the financial mess that is causing them a lot of stress. But what…
Most people are unaware that credit card companies will negotiate with you if they believe that it is in their best interest to do so. Many times, you can negotiate a reduction of your interest rate, elimination of late charges and annual membership fees. If you are delinquent in payments, they may even agree to…
Facing difficult financial times can be a frightening thing for a lot of people. When bill collectors are hounding you, at some point, you realize that something must be done but you just don’t know where to begin or where to go for help. Often, options can also be confusing unless you get the right…
When your financial circumstances are forcing you to declare bankruptcy, bankruptcy can be one way of dealing with debts that you can no longer manage on your own. Of course, the decision should not be taken lightly, and it is best to consult with an experienced bankruptcy attorney to see if it is best for…
Debt is a common problem that a lot of people struggle with and many people want to know how they can become debt-free. Of course, in today’s society, you can’t afford to spend cash on everything and sometimes you have to use a credit card or get a loan. The problem is that when those…
LIFE just happens. Sometimes even the best laid plans can go wrong. How do you respond when this happens to you? Do you easily give up when you’re overwhelmed? Remaining calm can be difficult when things are chaotic and so the usual reaction is panic. Bankruptcy can be a lifesaver for people who are at…
Considering bankruptcy is often the last option for most people in attempting to resolve their debt problems. Realizing the conditions for bankruptcy, the kinds of debts that may or may not be discharged, as well as the effects it can have on one’s credit report, may help people make the right decision when considering bankruptcy….
Facing difficult financial times can be a frightening thing for a lot of people. When bill collectors are hounding you, at some point, you realize that something must be done but you just don’t know where to begin or where to go for help. Often, options can also be confusing unless you get the right…
AS a business owner, you understand that cash is the life blood of your business. It is a precious commodity that cannot be ignored and must be used effectively. Shortage of cash could be your first sign that your business is in trouble. You could be profitable, but without cash, you’re not going to have…
IF you are searching for debt reduction solutions, no doubt you’ve been inundated with advertisements for various debt management programs, companies, and solutions. The choices seem confusing to the average consumer. The truth is that every situation is different and what may work perfectly for others is not necessarily going to work the same way…
If you are up to your eyeballs in credit card debt and have no way of paying back what you have borrowed, a lot of things may be going through your mind at the moment. Maybe you’ve heard of bankruptcy and how it may help you obtain a fresh financial start, but you think that…
CREDIT card debt is the most troubling financial problem for a lot of people today. Currently there are millions of people who can’t even afford to pay more than the minimum on their credit cards. And of course, if you pay no more than the minimum, you’re certain to be in debt for a very…
ARE you currently struggling with debt problems and don’t know what to do? To most people, finding themselves in that situation is pretty scary. They constantly worry about their finances and wonder whether they will ever be able to get out of the financial mess that is causing them a lot of stress. But what…
Don’t let this happen to you! A client of mine said he never saw it coming. Everything he ever wanted in life, he always purchased on credit. The “pre-approved” credit cards just kept coming in the mail and he never said NO to any of them. Buy now and pay later, why not? As long…
Don’t let this happen to you! A client of mine said he never saw it coming. Everything he ever wanted in life, he always purchased on credit. The “pre-approved” credit cards just kept coming in the mail and he never said NO to any of them. Buy now and pay later, why not? As long…
WHEN contemplating bankruptcy as a way out of debt, one is often faced with the question: What would my life be like after I file bankruptcy? When can I have credit again? Will I be shut out of the American dream forever or is it nothing more than a fresh financial start so I can…
