Behind on Your Mortgage? How Bankruptcy May Help You Protect Your Home
Behind on Your Mortgage? How Bankruptcy May Help You Protect Your Home Your mortgage payment used to be manageable. Then something changed. Maybe you lost your job. Maybe your income dropped. Maybe you went through a divorce, medical emergency, or unexpected financial crisis. Perhaps your expenses simply became too high to keep up. At first, […]
Sued by a Debt Collector? What to Do Before You Make a Payment
Sued by a Debt Collector? What to Do Before You Make a Payment Opening your mailbox and finding a letter from a court can make your stomach drop. The document says you are being sued over a debt. Maybe it’s a credit card. Maybe it’s a personal loan. Maybe it’s a medical bill. Maybe you […]
Is There a Mistake on Your Credit Report? What You Can Do About It
You check your credit report and see something that doesn’t look right. Maybe there’s a credit card account you never opened. Maybe a debt you already paid is still showing as unpaid. Maybe the balance is wrong. Perhaps an account is listed twice. Or a collection account is appearing on your credit report even though […]
Debt Collector Calling You? Know Your Rights Before You Pay or Agree to Anything
Maybe you’ve missed a few credit card payments. Maybe an old medical bill has gone to collections. Perhaps you don’t even recognize the debt. Or maybe you’ve already explained that you cannot afford the payment, but the calls keep coming. Then the pressure increases. A debt collector threatens legal action. Someone tells you that you […]
Chapter 7 vs. Chapter 13 Bankruptcy: Which Option Is Right for You?
If you are struggling with debt, you may have already searched online for one question: “Should I file Chapter 7 or Chapter 13 bankruptcy?” It is an important question, but there is no universal answer. Chapter 7 and Chapter 13 bankruptcy serve different purposes. Your income, debts, assets, property, financial goals, and ability to repay […]
Can’t Keep Up With Your Debt? When Bankruptcy May Be the Right Solution
When debt starts taking over your life, it can feel like there is no way out. You may be making payments every month but watching your balances barely move. Credit card companies may be calling. A debt collector may have contacted you. Perhaps you have received a lawsuit, faced a garnishment, or are worried about […]