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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...
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...
Bankruptcy fraud is no small thing. Unfortunately, it happens every day. There are a few misconceptions about what bankruptcy fraud is and who intentionally commits it. The most common type of bankruptcy fraud is the unintentional concealment of assets. This is why...
It is not uncommon for individuals who file for bankruptcy to have problems with credit cards. This is why it may surprise you to learn that credit cards can be a cornerstone of a credit rebuilding program. However, if you have poor credit, it is unlikely that a...
Even though bankruptcy protection offers a path to financial freedom for many Americans, some type of social stigma often accompanies bankruptcy filings. If either Chapter 7 or Chapter 13 bankruptcy is right for you, you should try not to worry about the opinions of...
If you have worked hard to get rid of debt, it can be disconcerting to get a debt collection call for an obligation you do not recognize. But scammers often use this tactic because many people have enough debt that it is difficult to keep track of. According to...
People wrongfully assume that financial irresponsibility is the primary reason for bankruptcy filings. The majority of people who file do so not because they mishandled their money, but because they experienced an illness or injury that lead thousands of dollars in...
You can file for bankruptcy if you meet the requirements. Of course, whether you should file for bankruptcy is another matter entirely. To decide whether bankruptcy is right for you — and how exactly you might go about it — there is a mandatory credit counseling step....
Because of the stigma and myths associated with bankruptcy, individuals who may benefit from discharging their debts often avoid it. Misinformation and fear of having made poor budgeting choices may prevent some individuals from seeking much-needed relief. The Federal...
Individuals experiencing financial hardship may mistakenly believe that defaulting on a payday loan results in an arrest or spending time in jail. As reported by USA Today, debt collectors threatening individuals they could face fraud charges may have crossed the line...
