Shady Debt Collectors Debt collectors are known to employ some shady tactics. From verbal intimidation over the phone, to mailing documents that look like official court papers and more. Debt collection agencies purchase old debt for much less than it’s original value. The sooner they can get paid, the better. This is why not all…

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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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If bankruptcy has crossed your mind as a resolution to your serious financial issues, don’t feel badly if it makes you a little scared! For a very long time the word bankruptcy has had a negative vibe to it.  Much of this is due to false stereotypes, horror stories, or rumors from people who have…

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At Debt Advisors, we provide a second chance to people who are in serious debt.  We aspire to share knowledge and insight.  Education is a key component. This includes outlining a clear understanding of the bankruptcy process, including the importance of honesty.  Bankruptcy fraud is a federal offense, and a very serious matter.  We think…

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Millions of Americans are contacted by debt collectors each year.  State and federal agencies are receiving more complaints about unfair or deceptive practices than any other part of the consumer financial system.  When Accumulation of Debt Becomes Problematic Families with children under eighteen, those without health insurance, and those that have experienced more than two…

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Collecting, Buying and Selling of Debt It has become a multibillion-dollar industry; debt Collectors will do whatever it takes to collect a debt. Sometimes called “debt buyers,” these organizations purchase charge-off debts for pennies on the dollar then often repackage and resell the debt, or portions of the debt to other agencies or firms to…

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Taxes are a part of our government body, created to support a framework of opportunity for people, families, and local communities. Here’s another fact: Our forefathers had incorporated bankruptcy into the constitution. Sure, the laws regarding bankruptcy have been tweaked over the years, but it has always been part of this country’s history. Thankfully, bankruptcy…

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If your finances are out of control and you’re feeling overwhelmed and helpless; maybe it’s time to be honest about the situation and make a change for the better.  At Debt Advisors Law Offices, we’ll assure you that your situation is not all that uncommon.  You’ll get honest answers and honest solutions to your financial…

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Bankruptcy is a result of life’s sometimes brutal financial challenges. Nobody expects to have to file bankruptcy once, much less two or three times.  It’s unfortunate, but it does happen, and it happens to people who look just like you and I.  Although filing bankruptcy is a matter of public record, it often goes unnoticed…

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Bankruptcy Means Test Basically, a bankruptcy ‘means test’ is what determines whether or not you may qualify for Chapter 7 bankruptcy. The means test consists of two-parts, but you only need to pass one of them to qualify. In 2005 when the bankruptcy code was revamped, providing fixed income formulas, it was in an attempt…

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