People who benefit from credit counseling do so in order to get their general finances back on track.  A certified credit counseling service can assess your financial situation, organize priorities, develop a budget, and make recommendations. Counselors have handy tools, resources and helpful organizational tips that you may not be aware of. When filing bankruptcy,…

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A Car repo is no joke! If you leased or financed your vehicle then the bank has the right to get it back if you default on the loan. Typically, an auto loan goes into default after three missed payments, but this varies by lender. A car can also be taken back if vehicle insurance…

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Why Do I have to Take the Means Test? Chapter 7 bankruptcy completely discharges most debt including credit cards, medical bills, payday loans and personal loans. It also clears balances on cars and real estate. Chapter 7 allows a person to keep much of their property. The process of filing chapter 7 is quicker and…

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We have all seen that economic indicators can quickly change from a strong and thriving economy to a struggling nation. During a recession, there are more bankruptcy cases. However, a thriving economy doesn’t always equate to less consumer debt. Influence Economy has on Bankruptcy In a solid economy, does the need for bankruptcy disappear? On…

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When you file bankruptcy matters to the outcome of your case. Determining the best time to file bankruptcy is a big decision. One of the benefits of hiring a bankruptcy attorney, is that the bankruptcy attorneys can guide you towards the timing which will have the best outcome. Don’t let a problematic financial situation sit.…

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Bankruptcy For Seniors Research suggests that the number of bankruptcy filers who are older than 65 years of age is increasing and possibly higher than it has ever been. Why is this? We already know that the two biggest life-changing events that lead to bankruptcy are unexpected medical expenses and divorce. Unfortunately, these things can…

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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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What Does Filing Bankruptcy Cost? You have the right to know how much it will cost to file bankruptcy. If you are over your head in debt, bankruptcy is likely going to be far more affordable than to remain in your current situation. We have payment plans and we will do everything we can to…

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Can’t pay your mortgage?  Wondering, “what now?” The good news is that there is a way to save your home and help get you out of debt, but timing is everything. Defaulting on Mortgage Home Loan When a mortgage loan is established, it basically means that the buyer agrees to pay back the lender within…

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Desperate financial times, especially those due to COVID-19, are often unavoidable. We don’t want you to feel like a failure. We aim to provide to you the most effective and efficient information towards becoming debt free. If your path could be bankruptcy, we will let you know during your consult. If our bankruptcy or non-bankruptcy…

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