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On January 1, 2022, the No Surprises Act went into effect. The Centers for Medicare and Medicaid Services notes that health insurance carriers may no longer send “surprise” bills. As reported by CNN, the Act could cut approximately 10 million surprise statements sent...
The Consumer Financial Protection Bureau updated the Fair Debt Collection Practices Act. As noted on the CFPB's website, under the Debt Collection Rule that went into effect on November 30, 2021, bill collectors may send you electronic communications. Collection...
You may find yourself weeding through collection letters and phone calls, wondering how you got here. However, some common scenarios may often lead to crushing debt. Bankruptcy is one option you may want to consider to get yourself back on a steady financial path....
Job loss, underemployment, medical bills and significant debt are among the reasons that many Kentucky residents consider bankruptcy. However, you may worry about losing your home if you file. The amount of equity you have in your home might determine the amount of...
Facing a lawsuit will often pose one of the biggest stressors in your life, especially if you know nothing of how the process works. Can you lose all of your money? Will you face bankruptcy or eviction? And what happens if a creditor is the one suing you? Feeling...
Having to declare bankruptcy can have a serious effect on those who endure it, especially when it comes to the question of how to prevent losing a home. However, residents of Kentucky and Indiana may have the option of keeping their home because of the Homestead...
Getting your debt under control can be difficult, but once you do, you may think you no longer have anything to worry about. However, sometimes a collection agency may contact you about an old debt. Here is what you need to know about these zombie debts. What is...
The holidays are supposed to be a time of joy for you and your family. If you approach the upcoming season with apprehension because of your credit card bills or mounting debt, you may need help reaching the other side of the holidays without adding to the money you...
When you file for bankruptcy, you must disclose a lot of information about your finances. This will include activities prior to filing your petition. According to U.S. News and World Report, if you made financial moves prior to filing for bankruptcy, the trustee may...
The Credit CARD Act OF 2009 passed many provisions that benefitted consumers when dealing with credit card companies. That act remains in place today, and experts predict it saved consumers billions of dollars. Understanding certain aspects of this lawn can help...
