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 […]
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 […]
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. […]
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 […]
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 […]
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 […]
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 […]
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 […]
There is a tendency to view authority figures and those with any control over one’s life as an adversary – maybe even an enemy. This is especially true when we have made mistakes. If we feel out of control, someone stepping in and taking control can be intimidating. This is often the case when a […]
Telling your family you have decided to file for bankruptcy may be one of the toughest things you will ever do. Some people even choose not to share this information with family members at all. It is a personal decision and unless someone is affected directly by your decision to file, there is no official […]
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