Being in debt can feel very overwhelming. It is not uncommon for individuals in this situation to bury their heads in the sand and hope it all goes away. Unfortunately, debts generally don’t just disappear. In fact, the longer they remain unaddressed, the worse they...
Personal debt can slowly accumulate over many years. It may have started with student loans while you got your degree. Then, because of your large student loan payments, you had to use credit cards to cover your basic cost of living expenses while establishing...
Realizing you don’t have enough money to pay your bills regularly is disheartening. When this occurs regularly, coming up with a plan to address this issue is a priority. One of these options is bankruptcy, but some people might not take this option seriously because...
College students often build up a lot of debt when taking classes. Student loans are one of the biggest ways students take on debt, however, people may pick up debt through other means. Students may be offered credit cards that can help easily pay for books, supplies,...
When you file for Chapter 13 bankruptcy, you will create a repayment plan for your debts. This is a legal tool that enables you to get out of debt. The repayment plan works, in some ways, like a short-term consolidation loan. It helps you restructure your debts for...
Realizing that you have too many debts and not enough income is a tough position to be in. You may consider filing for bankruptcy if you’re in that spot. Some people will file Chapter 13 bankruptcy, which is informally known as a wage earner’s bankruptcy. In a...
Most individuals considering bankruptcy will either file for Chapter 7 or Chapter 13 bankruptcy. Those with income low enough to pass the Tennessee means test given their household size may consider Chapter 7 proceedings because they are fast and relatively effective...
When you make the decision to file for bankruptcy, you are doing so because you need relief from debt. The last thing you want during these financially-challenging times is the rejection of your claim. Unfortunately, it is not unusual for the court to decline a...
There are all kinds of pitfalls associated with being in financial disarray, including getting bothered incessantly by their creditors. The harassment can seem never-ending. You may feel like you are trapped in a miserable situation. You do have protection from this...
People who are considering bankruptcy usually have a lot of emotions going into the process. They may feel relieved that they will finally be on top of their finances, but they may also feel like they let the creditors down because they can’t pay them. Some...
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