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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…
If you are facing a lawsuit from a creditor or collections agency, there are three common responses: filing a timely answer to their complaint, negotiating a settlement before your answer is due, or filing for bankruptcy. Whatever the case, you need to respond in some way or risk being hit with a default judgment by…
Times may be tough for many Americans, but the 2012 Report of Statistics Required by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 indicated fewer people filed for bankruptcy in 2012 than in 2011. While 1.1 million bankruptcy filings were reported in 2012, this is a 14 percent decrease from the previous year. Filings…
Many people dealing with financial problems have tons of questions regarding their economic situation going forward. One of the most popular questions asked is: will I be able to keep my car, truck or other motor vehicle if filing for Chapter 13 bankruptcy? People can generally keep their cars when they file for Chapter 13,…
Many people considering filing for bankruptcy worry that their credit will never recover. The truth is, you cannot only rebuild your credit after bankruptcy but also have an excellent score within a few years. If you’re looking for steps on how to repair credit score after bankruptcy, look no further. Read ahead to find out…