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If you’re considering bankruptcy, one of the things you need to understand is the kind of debt you’re in. Not all debts are the same. There are two main debt categories. Those are unsecured debts and secured debts. Here’s what you need to know about them and how they...
The state of Illinois has at least two leaders prepared to advocate on behalf of those overwhelmed by student loan debt. The Illinois attorney general, Kwame Raoul, and Senator, Dick Durbin, are fighting to provide bankruptcy relief for those who cannot pay off their...
Many Americans struggling with debt will turn to Chapter 13 bankruptcy to resume control over their budgets. Unlike Chapter 7 bankruptcy, which requires the liquidation of non-exempt property, Chapter 13 bankruptcy doesn't put you at risk of losing your house or other...
If your wages have been garnished, then you may not be getting your full paycheck. You may find it hard to pay what you need to cover in living expenses or other bills as a result of the garnishment, which puts you in an even more difficult financial position. The...
If you’re one of the millions of people struggling with debt that seems insurmountable, it can be a burden that is always weighing on you. The link between debt and depression, anxiety and other mental health issues has been shown time and time again. One survey by a...
If you are struggling to make ends meet and haven’t been able to pay your mortgage on time, you may have gotten a letter telling you that your home is going to go into foreclosure. If you have missed payments or gotten this letter, it’s time to start taking action to...
Debt collectors have a negative reputation because they tend to call regularly and almost invade a person’s life. Although there are requirements that they must meet, some agencies don’t listen and will call beyond the hours when it’s legally allowed to do so. As a...
Financing a big purchase like a vehicle makes it easier for you to maintain a budget. By using the property as collateral, you may also be able to purchase a nicer vehicle than you could otherwise have with your current resources. The downside of a financed vehicle...
Did you know that all individuals who file for bankruptcy in the United States have to complete a pre-bankruptcy credit counseling course? This course is there to help them understand their current financial situation and to determine if bankruptcy is actually the...
If you are retired and struggling with your finances, something that you may be looking into is filing for bankruptcy. If you elect to go into bankruptcy, you may be able to have most, if not all, of your debt eliminated. While not all debts are dischargeable, most...