Category: Debt Relief

If you’re in over your head with debt, there are a few different techniques you can use to get out of debt. By taking some of these steps, you may be in a position to pay back your debts more quickly than expected and without having to seek a bankruptcy. If you find that even

If you want to avoid foreclosure, there are steps you can take to do so, many of which your attorney will be familiar with. The Obama Administration has created a number of programs designed to help homeowners avoid foreclosure and to help them make their monthly mortgage payments when they are struggling. These programs are

No one plans to fall deep into debt, but when circumstances change, the once-affordable payments you were making can become overwhelming. Many people have this situation come up at one point or another in their lives, and there are ways to handle it effectively. From cutting back on expenses to working with creditors with the

While a Chapter 13 bankruptcy can help you pay down your debts over time, the fact is that not all kinds of debts can be reduced or eliminated. There are exceptions to the Chapter 13 discharge rules, and those can affect you, particularly if those exceptions are the reason you want to file. One of

There are several myths about bankruptcy that should be debunked, so you can have a better idea of how to proceed if you want to start with a clean slate. Before you speak to your attorney, understand these facts, so you can be well informed. Everyone doesn’t know you’ve filed Although you may see bankruptcy

If you’re living in Tennessee, you may have been one of many people who struggled with the recession. Unfortunately, Tennessee has not recovered as well as some parts of the country, and it’s still leading the country in bankruptcy filings. Although bankruptcy is an option if you find yourself in over your head with debt,

If you’re ready to reduce your debts, there are many ways to do so. Your attorney can help you file for bankruptcy or work to negotiate new credit terms for you, but there are also other steps you can take to start saving money before reaching that stage. One thing you can try to save

Debt consolidation is a great idea for many reasons. Probably the most common reason for it is the simplification of payments. When you have only one payment to make instead of several, it’s easier to make payments on time and to plan for the money you need to pay it. Having just one payment can

There are a few signs you can see that a company is a debt relief scam and not one that can actually help you free yourself from a life of worrying about past-due bills and financial pitfalls. Even if you’re desperate to get out of debt, making the jump to working with one of these

Wage garnishments are garnishments that hold your pay back and give it to someone else to whom you owe a debt. For instance, if you owe student loans, the federal government could put a garnishment on your wages. The garnishment could be up to 15 percent of your gross earnings. That may not stop there,