Richard Shea
If you are facing overwhelming debt, you may feel like you’re drowning and have no options. However, though bankruptcy can seem scary, it is an option and one that can genuinely help you get back on your feet. There are benefits when you file for bankruptcy that protect you. Many people worry that bankruptcy will … Read More
When you are behind on payments to numerous creditors, you may decide to prioritize some payments over others, such as utility bills. Having your utilities shut off can be a disaster, especially if there are children in the household. So, you may be faced with a difficult decision when it comes to deciding which bills … Read More
Debt is becoming an increasingly serious problem for Indiana residents as well as the rest of the United States. According to surveys conducted by QuoteWizard, almost 80 million Americans have a notable amount of medical debt and 12% of Americans’ income are spent on medical costs. Additionally, around 15% of Americans owe money for medical … Read More
Filing for bankruptcy a first time is challenging enough, let alone trying to file a second time. However, for some, debts are often so unmanageable and add up over time that two consecutive bankruptcy filings might be necessary. It’s important to note, however, that using multiple bankruptcies to evade creditors without the intent to follow … Read More
Chapter 13 bankruptcy offers the option of lien stripping. Lien stripping can eliminate junior liens, such as second or third mortgages. If you’re filing or considering filing for Chapter 13, you need to be aware of the process and advantages of lien stripping. Chapter 13 lien stripping can be beneficial to your financial situation and … Read More
Bankruptcy is often a wise choice for those overwhelmed by credit card debt and looking to get back on track and rebuild their finances. Though it can be a scary and stressful process, the benefits of filing for bankruptcy tend to outweigh the detriments. Though it can negatively impact your credit score, many debtors find … Read More
If you are married and preparing to file for bankruptcy, you may be wondering how it will affect your spouse. While you can file individual bankruptcy, there are still potential consequences for your spouse. Generally, it depends on what joint property you own, whether or not you live in a common-law property state, and which … Read More
It would be reassuring to think that government agencies never make mistakes, but like all huge entities–sometimes they do. The Social Security Administration sometimes makes the mistake of overpaying people so often that they have a formal procedure to follow when it happens, including forms ready to go when it is discovered. Old Age and … Read More
It’s normal to have a lot of questions about the process and impact of bankruptcy. Even though there are hundreds of thousands of Americans who file for bankruptcy every year, it is still a pretty mystifying experience for most people. That’s one of the reasons why you should always have someone on your side during … Read More
One issue that you may worry about when filing for bankruptcy is whether or not it will affect your employment. In the midst of a stressful financial time when you are having to accept the idea that your finances are changing, it is normal to believe that there is a stigma attached to bankruptcy. Be … Read More
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