Bankruptcy and a Second Mortgage: What You Need to Know

Many homeowners have a second mortgage on their homes. It can be an effective tool for easing financial challenges, helping with renovations and other bigger expenses, or for creating a better arrangement when you first buy your home.   Like with any debt, there is a certain level of unpredictability as to how life challenges and financial challenges could affect a second mortgage and your ability to pay. Even if...
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Bankruptcy Immunity: Is there Such a Thing?

Nobody predicts they’ll need to file for bankruptcy one day. Most people view bankruptcy as a last resort and assume their circumstances will keep them immune to something that drastic. Unfortunately, it’s impossible to predict how everything will go in life, especially financially, and ultimately, nobody is immune to bankruptcy. No matter how careful you might be with your finances, there is always a chance you could one day reach...
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How Will Your Spouse’s Individual Bankruptcy Affect You?

Finances are one of the most contentious issues in a marriage. This is especially true when one spouse has serious financial problems and the other has none – or at least not enough to warrant filing for bankruptcy .  It’s possible for one spouse to file for bankruptcy without the other doing the same, but rarely does the non-filing spouse go completely unaffected. Here’s what you need to know if...
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Are Payday Loans Paving Your Way to Bankruptcy?

Payday loans might seem like a convenient way to get cash quickly when you are stuck in a bind, but these types of loans can actually put you at great risk. For some payday loan borrowers, these loans are what led them down the path to bankruptcy . What are Payday Loans? Lending establishments that offer payday loans are not affiliated with the big-name banks you might be used to...
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Can Bankruptcy Help You Live Longer?

Having to file for bankruptcy is often viewed as something negative, but recent evidence shows filing might actually extend your life.  Of course, nobody is saying if you have perfect credit you should rush out, overextend yourself, and get into enough financial trouble to qualify for bankruptcy. However, if you are currently facing financial challenges and spend your days stressed about how you will ever get back on track, bankruptcy...
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How to Prevent Credit Cards from Driving You into Bankruptcy

Credit cards are one of the primary reasons people travel down the road to bankruptcy . They can be powerful tools to help manage money and enjoy rewards, but they can also be destructive and make it easier to get in much too deep, financially speaking.  If credit cards are causing you serious financial trouble, here’s what you need to know: Budgeting One of the most important things you can...
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How to Protect Yourself from Creditor Harassment

Having past due bills is a common problem for many Americans. Unfortunately for some, unpaid bills are such a problem they receive calls from creditors on a regular basis. Whether you get the occasional call or text about a bill you forgot to pay, or you have mounting debt and an increasing problem dealing with it, there are several things you need to know about what creditors are legally permitted...
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Tips to Help You Prepare for Bankruptcy

Bankruptcy is one of the most valuable tools available to those who need assistance getting their financial situation back on track, but it can also be one of the most intimidating circumstances in a person’s life. The good news is you can take steps to prepare yourself for bankruptcy and all that comes with it, ensuring things go smoothly and taking some of the emotional burden out of filing. What...
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Is Bankruptcy an Option for Service Members?

It doesn’t matter who you are, it’s possible to experience financial challenges. This applies to anyone in the civilian population, as well as military members. And in many cases, service members and their families might be at greater risk for financial struggles because of the nature of their work. There is a great deal of unpredictability and stress involved in a military career, and this sometimes translates into financial challenges....
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What You Need to Know about Employment and Credit Checks

Anyone in the midst of a job search already knows how frustrating the process can be and how it constantly feels as if you are being judged. Employers go to great lengths to ensure they are choosing the right candidate for a job, and in some cases that includes reviewing an applicant’s credit history. As unfair as it might seem, credit can factor into whether or not you are hired...
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Important Information about Asset Transfers and Bankruptcy

One of the biggest concerns you have when filing for bankruptcy is denial of your request. This is one of the primary reasons people filing for bankruptcy choose to work with an attorney – it decreases the chances of a denial or risking losing assets. Unfortunately, requests can be denied for a variety of reasons, even if the person filing did nothing intentionally wrong. One example of this is asset...
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What is a Debtor Education Certificate?

When you file for bankruptcy you will be required to participate in credit counseling just prior to filing, and you will also need to participate in debtor education after you file. Both programs help you learn how to manage your finances and credit better in the future. A debtor education certificate is not necessary prior to filing, but it will be necessary to complete the bankruptcy process. Debtor education programs...
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Four Tips to Help You Make Your Bankruptcy a Success

Bankruptcy can help you gain control of your financial situation and give you hope for the future. It also triggers some significant changes in your life. Those changes begin with filing and completing the lengthy list of to-do’s needed to ensure your bankruptcy is successful. Here are a few things you can do to make the process of bankruptcy easier for you and decrease the likelihood anything will go wrong...
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Eviction and Bankruptcy

Losing your home is a common concern for those filing for bankruptcy, but what about those who do not own their homes? What happens if you lease or rent your living space and you decide to file for bankruptcy? You might be surprised to learn bankruptcy can affect you regardless whether you rent or own. In many cases, someone filing for bankruptcy may be facing eviction because they are behind...
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Are You a Victim of Debt Collector Abuse? Here’s What You Should Know

If you are experiencing financial challenges and have fallen behind on bill payments, you already know how stressful it can be to receive calls from debt collectors. Even collectors who are not aggressive can trigger feelings of anxiety when their number comes across the caller ID. And when debt collectors cross the line, your situation can be downright frightening. Did you know there are laws governing what a debt collector...
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What are Lien Stripping and Cram Down?

There are many tools that can be used during the course of bankruptcy to ensure your protection and make things just a bit easier in the long run. Lien stripping and cram down are two examples of useful bankruptcy tools. Lien stripping and cram down are used during Chapter 13 bankruptcy filings. They help you modify secured debts, such as car loans or mortgages, to make repayment of these loans...
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Tips for Choosing the Right Bankruptcy Attorney for You

Filing for bankruptcy can be an intimidating experience, but working with a great attorney can make everything just a bit easier. Bankruptcy attorneys aren’t “one size fits all,” so if you are considering using bankruptcy as a tool to get you back on track financially, here are a few tips for choosing an attorney that works for you. The Importance of a Bankruptcy Attorney It is possible to file for...
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Is Credit Possible after Bankruptcy?

Many people who consider bankruptcy decide not to file because they are afraid of what filing will do to their credit. It’s true, bankruptcy will hurt your credit short-term, but it is often the best option available for you to repair your credit over time. Bankruptcy has a far more positive impact on your credit than ignoring your debts and allowing your credit score to sink lower and lower. Not...
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Is It Possible to File for Bankruptcy If I’m in the Military?

Financial challenges are unpredictable and when you or a family member is in the military, things can be even more uncertain. Military families are often forced to relocate or deal with deployment – both things that can present financial challenges, especially if things are on shaky ground to begin with. When someone back home is trying to juggle caring for the family and keeping things on track while a service...
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The Bright Side of Bankruptcy

There’s no denying it – most people don’t aspire to bankruptcy and many unfortunately continue to live with crippling debt instead of exploring bankruptcy. Despite bankruptcy being viewed negatively by many people, there are a number of positive things that come from filing. The key to appreciating what bankruptcy has to offer is to understand the process and recognize that much of what the average person knows about bankruptcy is...
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