There’s no getting around it – while bankruptcy provides relief from debt and the chance at a fresh start, it isn’t without its setbacks. Depending on which chapter of bankruptcy you file, it can remain on your credit report for seven to 10 years. In addition to this...
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Busting common myths around consumer bankruptcy
To many, the only thing worse than living with overwhelming debt is the idea of having to file bankruptcy. Bankruptcy doesn’t have the best reputation – most people associate the process with financial ruin. However, while it is a significant financial decision, the...
Can Bankruptcy Help Save Your Home?
Falling into debt can happen to anyone. Sometimes it takes just one high medical bill or the loss of a job to send people into overwhelming situations. In these tough financial times, many people get behind on mortgage payments that can threaten their home. When...
How to manage your money after bankruptcy
We all know that mass amounts of debt don't pop up out of the blue. Instead, many minor complications (running up credit card debt and missing or only making minimum payments) or a major event (divorce, job loss, medical bills) cause extreme debt. If you decide to...
Common myths about consumer bankruptcy
Bankruptcy has earned a reputation that leads many people to look down on the process, and people who choose to use it. There are many myths about bankruptcy and those who use it. By dispelling these myths, people can understand how beneficial bankruptcy is to those...
How does bankruptcy affect someone’s credit score?
Financial troubles are common for many people. Running up credit card debt, divorce, medical debt unemployment, among other reasons, can lead to a strapped bank account unable to pay back debts that just won't go away. You don't have to be on the edge of financial...
5 bankruptcy facts to consider
No one ever dreams of filing for bankruptcy, even if they reach a point where they cannot pay their bills. But it’s essential to remember that most people don’t accrue overwhelming debt overnight, and it’s usually not a result of negligence. Millions of Americans face...
It’s still possible to buy a home after bankruptcy
Buying a home may seem impossible after bankruptcy. That's because lenders are often skeptical of consumers with black marks on their credit report. Some may wonder if they’ll be reliable when making mortgage payments. However, most Americans who declare bankruptcy...
How can I get collection calls to stop?
When you are struggling with debt, you likely are tired of getting calls from creditors. It seems like they can call at any time, all the time. You are more than tired of having the phone ring during dinner. Yet, debt collectors do have limits about how they can...
Make it stop: Creditor harassment is real, and not okay, Pt. 2
A recent post about creditor harassment listed a couple of ways creditors or collection agencies can become a nuisance. If you have debt you are probably already stressed out and doing what you can to address the financial hurdles in your life. Harassment by outsiders...
