If you are struggling with debt, you may already be frustrated with the situation. Something that would compound that feeling is if a debt collector starts calling you regularly. It may be annoying to have them call your personal phone, especially when you can’t set...
If you’re like most Americans, you rely on social media to keep in touch with everyone from old high school friends to distant relatives and social acquaintances -- often through direct messages (DMs). Unfortunately, the next message request you get could be from a...
One of the worst things about being in debt is that you have creditors calling all the time. Eventually, if you ignore those calls or can’t come up with the money for the debt, they may seek to garnish your wages. Wage garnishment is serious, because the money you owe...
As you go through the bankruptcy process, you’re going to hear a lot of new terms. That can be daunting and confusing. However, the more you understand, the less frightening the whole thing will be. One of the terms you’ll hear early in the process if you’re filing...
Most people who are considering bankruptcy turn their attention to Chapter 7. Not only is it faster than Chapter 13, but it also allows you to discharge some or all of your debts, moving you closer to the fresh start you’ve been dreaming of. However, if you don’t...
If you’ve been taking out money for books or living expenses during college, then you may be in a position where you’re finding it hard to pay back what you owe. Most people work part-time when in school, and there’s no doubt that living expenses, especially on...
One of the hardest things about falling behind on your bills is the way that companies will aggressively pursue you for payment. Not only could it be embarrassing to receive brightly-colored envelopes in your mail warning you of a past-due balance or have your phone...
Regular “payday” loans have been illegal for a while now in Georgia, but that doesn’t mean that residents of this state are free from predatory lenders who have swooped in to replace them. We’re talking about lenders who market high-interest installment loans to folks...
Medical care in this country cost $3.6 trillion in 2018 with an average per person cost of $11,172. At least 26 percent and up to 62.1 percent of bankruptcies involved medical-related debt and this problem may have grown over the last few months. While bankruptcy may...
When people talk about bankruptcy, they sometimes makes it seem like there is only one kind that you can pursue. Interestingly enough, there are actually several forms of bankruptcy that may be able to help you. Two of the most commonly used are Chapter 7 and Chapter...