If you are struggling to pay your debts, you have a number of options at your disposal. You can approach your creditors for a waiver or negotiate a repayment plan that will work for you. If these options are not possible, you may consider filing for bankruptcy. No...
Getting your financial health back on track by filing for bankruptcy is possible. However, when you do this, you may be limited financially for the short term. For example, it may be harder for you to be approved for loans or credit after filing. If you need a...
If one of the reasons you’ve decided against bankruptcy is because you’ve heard that it’s nearly impossible to discharge student loan debt, the federal government has announced a plan that could change that for you. With President Joe Biden’s attempt to forgive as...
If you are going through financial problems, the last thing you want is trouble finding or keeping a job. However, if you are like most people contemplating bankruptcy, then chances are you are wondering how bankruptcy will impact your current and/or future employment...
Filing for bankruptcy can be a confusing and difficult process, as well as an emotionally challenging one. It’s a decision that no one takes lightly and you need to be clear on exactly what it means for you. It can, however, be a really smart financial decision that...
The realization that you can’t pay all your bills each month can quickly put you into survival mode, which means you only pay what’s necessary to live. Late fees and negative marks on your credit report are likely going to affect you. For some people, the hope of...
People who have too much debt and can’t make payments often declare bankruptcy to help relieve them of their financial obligations. This often saves debtors from the long-term damages and consequences of unpaid debt. Otherwise, too much debt can hamper the ability to...
Many people think that bankruptcy is always the filer’s fault, but this isn’t the case. There are many reasons for bankruptcy that the person who’s filing couldn’t help. Understanding some of the reasons why people need to turn to bankruptcy may help them to decide...
One of the most common forms of debt relief people take is Chapter 7 bankruptcy. Chapter 7 bankruptcy is also called liquidation bankruptcy because many people have to go through a liquidation process to pay off some of their debt. Liquidation is the act of selling...
If you declare bankruptcy, there are two major categories that a lot of your debt will fit into. First, you have priority debt. Examples of this are things like student loans – at least, in most cases – child support payments, or back payments that you owe for taxes....
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