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...
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Has Debt Taken
Over Your Life?
Are you facing harassment by a debt collector?
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...
Individuals with budgeting skills may still consider bankruptcy
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...
Top 4 reasons for filing bankruptcy
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...
Who really commits bankruptcy fraud?
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...
How can credit cards help me after bankruptcy?
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...
Yes, financially responsible people sometimes declare bankruptcy
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...
How to avoid a debt collection scam
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...
Oklahoma church buys medical debt to help citizens
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...
