Bankruptcy Blog

Can an Installment Agreement Help You Get Out of Debt?

If you have fallen behind on a debt the lender might offer you an installment agreement to encourage you to make payments. This is often the case when a debt is turned over to a collection agency – many debtors receive warning notices from collection agencies that offer installment payments as an option for avoiding legal action. There are also instances in which debtors can propose an installment payment schedule...
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1696 Hits

What Can You Do If a Creditor Refuses a Settlement Offer?

Financial problems are some of the most stressful a person can face. If you find yourself in a tough predicament, it is possible to offer a payoff settlement to creditors. This means you offer to repay less to the lender than the total amount owed on a debt and to make that payment in one lump sum. So for instance, if you owe a creditor $10,000, you can offer to...
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1649 Hits

What Debts Cannot Be Discharged in My Bankruptcy?

Many people assume filing for bankruptcy will solve all of their financial problems. In fact, many have used the process to the point of abuse when it comes to repaying their debts. They accumulate debt, planning in advance to declare bankruptcy and eliminate their responsibility to pay it back. Unfortunately, this has not only led to stricter regulations that make it more difficult for the average, well-meaning person to file,...
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1922 Hits

What is the Difference between Unsecured Debt and Secured Debt?

Financial debt occurs when you borrow money to pay for something. There are two types: unsecured and secured. It is the item or items for which the money is borrowed that determine whether it is secured or unsecured debt. For instance, if there is property a creditor can take from you if you fail to pay the debt, it is a secured debt. There must be a tangible item with...
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11503 Hits

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