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
At the start of 2020, Americans and individuals all over the world were affected by the pandemic. While the government created programs to assist those financially affected—such as the CARES Act—many who were already struggling before the hit of COVID-19 fell even further into debt. Though enacting the CARES Act helped, those dealing with hefty … 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
Student loan debt is one of the heaviest burdens on today’s society. Those in their 30’s and 40’s who would typically have bought homes and new cars and even started families at this point are years behind previous generations in those areas. Instead, they are buried under crippling debt, unable even to fathom the possibility … 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
Student loan debt can be crippling. Trying to put money towards a house or a car, as well as paying all of your other bills on top of student loan debt, is often exhausting and can sometimes feel impossible. In America alone, the average student loan debt in 2021 comes to around $1.7 trillion. It’s … Read More
Although filing for bankruptcy can solve many of the issues you are dealing with, ease your stress level, and give you a chance to breathe, it cannot remove all of your worries. If you are contemplating filing for bankruptcy, you are probably overwhelmed with debt that you can’t repay while dealing with creditors. Many people … Read More
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