Can’t Keep Up With House Payments? Unexpected things happen in life that impact your finances in a negative way. When the situation doesn’t improve quickly, it becomes difficult to keep up with payments on a house. Defaulting on mortgage payments is a step closer to losing your home. Foreclosure is designed to force the…

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Filing Bankruptcy Without a Lawyer Making the mistake of filing the wrong bankruptcy, filing bankruptcy documents incorrectly, missing information, or failing to meet important deadlines can be like walking off a cliff blindfolded.  If you’re considering filing bankruptcy, you’re already in a desperate financial situation.  Avoid taking the unnecessary risks that filing bankruptcy on your…

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Ch.7 Bankruptcy to Discharge Medical Debt Medical care and prescription costs have skyrocketed over the years. Many folks are receiving medical treatment without a clue of how much it will cost them.  When the medical bill finally does arrive, the reaction is complete shock and disbelief. Consumers are less informed about the choices available and…

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  Addressing Bankruptcy Cons Bankruptcy is a tool that helps solve serious debt problems. It’s designed for those who are drowning in excessive debt. If you have never been in this position, it may be difficult to see the true benefits that follow a bankruptcy discharge. If you have experienced the pains of living beneath…

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What will I lose if I file bankruptcy? Will I lose my house, my jewelry, my car? What about the clothes on my back, are they safe? These are legitimate concerns, but the misconception is that a person will lose everything when they file for bankruptcy.  Property exemptions are designed to protect what you really…

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When You Have To Pay Back Social Security Overpayments Unless you receive money from the government yourself, such as social security benefits, you may not realize how often mistakes are made. In 2015, the Social Security’s inspector general reported disability overpayments totaling $16.8 billion over a 10-year period.  Many people are overpaid by the government.…

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Avoid Speedy Payday loans Payday loan stores have become more prevalent on TV ads, radio, print, billboards and internet.  You’ll find them in every major city, especially in areas of lower income populations.  The idea of speedy cash is tempting, especially to those who desperately need help. But this quick access to gain early access…

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The topic of student loans has really come to the surface and received some attention over the past ten or so years.  There are usually two student loan topics that arise; the rising cost of student loans and the non-discharge ability of student loans in bankruptcy. However, to give credit, there are some positive points…

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  Saving Money For Fun This time of year many folks are thinking about making New Year’s Resolutions that may impact their pocketbooks.  This could mean paying off debt from the holidays, or simply a commitment towards better monthly budgeting for the new year ahead.  Some may need additional planning to ensure adequate money is…

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Bankruptcy and Holiday Spending It may come as no surprise that filing bankruptcy is usually put off until after the holidays. It’s a season that people think more about spending than saving or eliminating debt. Americans who are tempted to overspend will likely do so this time of year. According to a recent report from…

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