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A recent bankruptcy case indicates there is hope for individuals filing for bankruptcy with student loan debts. A 9th U.S. Circuit Court of Appeals partially discharged the student loans of Michael Hedlund after a 10 year battle in court. Ordinarily, debt from student loans cannot be discharged through the normal bankruptcy process. For student loans,…
Need a little help keeping your budget within the “sane” range? Previously, budget tools included pens, paper and lists. These days, budgeting tools have gone high-tech and include a number of online options that are ideal for helping you track your finances and build the lush savings account you’ve always wanted. Check out five of…
Tax season is upon us again. For many, that means tax and other IRS debts. Those struggling to pay off tax-related debts may wonder, can you file bankruptcy on IRS debt? The answer depends on your individual circumstances, but in many cases, bankruptcy offers quick, lasting relief from tax debts. Read ahead to find out…
Filing for bankruptcy is a serious matter and if it can be proven that a filer has committed fraud, there are very serious consequences. A fraudulent filing will at the very least be thrown out of court, but often stiff fines and penalties are levied. Fraud is a federal offense, so these cases can build…
There’s no shame in owing a little bit of money, but if you’re behind on paying your debts you might find yourself the target of borderline harassment by debt collection agencies. The good news is that you still have rights. Read ahead to find out more information about the Fair Debt Collection Practice Act (FDCPA)…
When you are struggling and have overextended yourself, the first step toward getting out of debt is taking action. But, what course of action is best? Should you consider debt consolidation or file bankruptcy? Understanding the differences between these options can help you determine which is best for your financial situation. What is debt consolidation?…
Filing for bankruptcy can be one of the toughest decisions a person can make. While it may be easy to focus on the negative aspects of filing, it’s important to look toward the future and start making changes that will help you rebuild your credit. Although bankruptcy can sound and feel intimidating, it’s important to…
The holiday season is an expensive time for everyone, and even more so if the year has already put a strain on your finances. Holiday expenses – like buying gifts, stocking the pantry for guests, and traveling across the country – are sure to mount up. Has overspending during the holidays caused you to dip…
When you are struggling financially, it is a good idea to review some facts and concerns regarding bankruptcy and why it might be a good idea for you to consider filing. While bankruptcy is not for everyone, it could be the right choice for you. To help you decide, review these interesting facts and FAQs…
Author: Nicole Bradley-Bernard When you have health insurance, you expect that it will protect you from any significant medical expenses and cover most of the required treatment if you ever become seriously ill. Unfortunately, a study conducted by Harvard Medical School found that having health insurance did not protect a large number of patients with…
If you’re already dealing with financial hardship, wage garnishment can make it much more difficult to pay your bills and get out of debt. However, you may be able to stop a creditor from garnishing your wages and even get some of the garnished wages back by filing for bankruptcy. Our Nevada bankruptcy attorney team…
Many look forward to their tax return every year as an opportunity to pay off a little debt or make necessary purchases. But what happens to your tax refund if you file for bankruptcy? While a bankruptcy trustee may require you to hand over your tax return, chapter 7 bankruptcy allows most people to claim…