Homeowners in Tennessee may be able to breathe a sigh of relief. The numbers are in for the first quarter of 2016 and based on the continuing overall decline in foreclosures, some expert are speculating that the housing crisis is coming to an end. According to...
Month: April 2016
The importance of routinely requesting your credit report
Each time a consumer in Tennessee takes out a loan or opens a credit card, makes payments or pays off a balance, it gets compiled on his or her credit report. Negative actions, such as being sued, declaring bankruptcy, defaulting on a loan or failing to make regular...
What happens to my bank account during my bankruptcy?
It depends on what type of bankruptcy you file for. If you file for Chapter 7, your assets will likely be liquidated and that may include your bank accounts. If you are filing for Chapter 13, your bank accounts are probably safe as long as you make the required...
Your credit report: What you don’t know might hurt you
If you struggle to pay your bills or have a large amount of debt, the last thing you probably feel like doing is examining a detailed list of everything you owe to your various creditors. But virtually everyone should request a copy of their credit report, no matter...
How should I go about choosing a credit counselor?
As a prerequisite to filing for bankruptcy in Tennessee, you will be required to undergo credit counseling. There are many different organizations out there that provide these kinds of services, so choosing a reputable company is important.According to the Federal...
Is consolidating my debt a good idea?
It may be, depending on the size of your debt and how dedicated you are to becoming debt-free.If your outstanding balances exceed your gross income by more than 50 percent, you may want to explore other options such as a debt management plan, according to NerdWallet....
How should I prioritize my debts?
Like many other Tennesseans who have a lot of widespread debt, you may feel overwhelmed by it and deciding which accounts to pay off first can be difficult. However, according to Credit.com there are strategies that you can employ to save yourself money in interest...
Beware of fake debt collectors
Legitimate debt collectors are permitted to contact Tennessee consumers regarding outstanding amounts owed as long as they follow certain guidelines. However, many scammers try to take advantage of unsuspecting people and it may be difficult to ascertain whether or...
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