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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...
Dealing with debt collectors often serves as a difficult and traumatic experience even when they follow all of the rules. Unfortunately, the Fair Debt Collection Practices Act (FDCPA) ended up implemented because many of them do not. For example, harassing behavior is...
After digging your way out of credit card debt, it is important to make changes in the way you treat your credit card so you never fall into the same problems again. Of course, in some cases, credit card debt is a one-time thing that happens due to medical...
Individuals experienced in budgeting may find they can cover growing monthly expenses by prioritizing their bills. A survey conducted by the Federal Reserve revealed that 45% of respondents deferred a credit card payment for one month to help cover a monthly budget....
The Fair Debt Collection Practices Act (FDCPA) oversees the behavior of debt collectors while on the job. Most abide by good moral practices, but some may cross lines in order to get their money. These behaviors either fall under the category of harassment or...
If you have a lot of credit card debt, it can feel like you may never get out from under it. The debt continues to stack while you try to pay off your cards. How can you lessen your obligation to credit card companies? According to the FTC, you can put debt behind you...
In the event that the majority of your debt comes from credit cards, there are more options for paying it down than you might think. The debt management plan is one option. While this might sound like a general approach to managing money, a debt management plan is a...
Bankruptcy is a topic that can be very private for many people. Feelings of embarrassment or shame are not uncommon. The thing is, debt is a problem that thousands of Americans face every year, and filing for bankruptcy is a constitutional right. If you are struggling...
Dealing with massive amounts of credit card debt can become very overwhelming very quickly. Additionally, the myriad of options available for managing credit card debt may also be overwhelming. One potential option for paying down your credit card debt is to try a...
