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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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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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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Persons who file bankruptcy are basically saying they have incurred a considerable amount of debt that they intended to pay for, but in good faith, have not been able to pay.  According to Census Bureau studies and other statistics over the past several years, there are an estimated 11 million illegal immigrants in the U.S.…

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In bankruptcy lingo, the term “consumer debt” is often used to clarify how debts have been incurred. Consumer debt is different from business debt. It involves funds used for consumption rather than investment. Consumer debts are typically classified as such based upon the purchase of consumable goods that do not appreciate in value, such as…

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Hundreds of thousands of identity theft complaints are reported to the Federal Trade Commission every year.  Anyone with a social security number could be a potential target for identity theft. This event can lead to many financial woes in the future, and possibly require filing bankruptcy. Identity Theft Of Minor Children When data breaches happen,…

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A women who had been divorced in Wisconsin for nearly four years, was shocked to find out that her wages were going to be garnished because her ex hadn’t paid his student loans.  Because the student loans originated during the time of legal marriage, the woman was then held liable for repayment when her ex-husband…

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Social Security Benefits Everyone would agree that a guaranteed monthly income is nice to have.  Social Security Income disability benefits are designed to assist people with their basic care and maintenance such as food, clothing, and shelter.By the age of 62, many people have paid into the system for over 40 years and are ready…

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  Many young adults are beginning their independent lives with a heavy debt burden.  Some have student loans as a factor, but this is not always part of the equation.  Young adults have access to lines of credit which can easily lead to “living on borrowed money,” or “living in the red.”  This financial situation…

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