Bankruptcy can be a devastating process for anyone. You may even feel like you have failed in life. The truth is, we are all human and we make mistakes. Credit is like a fragile vase, once you drop it and it cracks, no matter how much you glue it back, somewhere, there will be a … Continue reading Life after Bankruptcy
Deciding to file bankruptcy will be one of hardest decisions you will ever have to make. Probably, one decision you thought you may never have to make. The reality is, in America thousands of people file bankruptcy every week. That’s an incredible amount of society in financial burden. No one wants to file bankruptcy, yet … Continue reading Filing Chapter 7 Bankruptcy
Most governments recognize the importance of post-secondary education, not only for the students who work so hard to graduate from college or university, but also for the welfare of the country itself. An educated population is a valuable asset for any nation, as it ensures growth, prosperity, and stability. It is for this reason that … Continue reading The Problem of Unpaid Student Loans
No one can argue against the benefits of a post secondary education in today’s competitive world. Many jobs require a college or university degree, and it is difficult find a premium company willing to even interview applicants who do not have some kind of post-secondary qualification. But the best of intentions will not lead to … Continue reading Paying for College with Student Loans
Direct Loans provided by the Department of Educations is a Federal Student Aid, (also referred to as FSA) program. Applying for Direct Loans is a simple process. To apply for a Direct Loan students only need to complete one application, the FAFSA (Free Application for Federal Student Aid). As a student you do not to … Continue reading Direct Loans for Students
The cost of college is devastating to most families. According to The College Board for inner state residence to attend a 4 year college, the average tuition has been rising dramatically. Luckily, parents and students can apply for financial assistance or student loans. The only problem is that there are so many different types of … Continue reading Applying for Student Loans
We’ve all seen the ads – 0% interest and zero payments for an entire year! It all sounds so good. You get to buy and have something right now and not have to make a single payment for many, many months. If you have been considering such an offer, hopefully, you have also read the … Continue reading What Zero Percent Financing Really Means
Today, Americans borrow more than ever before. The consumer debt mountain stands at literally trillions of dollars. The systems are getting ever more complex and interconnected. Bills are automated and accurate and there is no scope for negotiations. In many cases it can be very difficult to even get in contact with a credit company. … Continue reading The Fair Credit Reporting Act
Unless you have the available cash, you will be financing your real estate purchase. That means applying and qualifying for a mortgage loan. In doing so, you will undoubtedly be faced with the realities of your credit score. But what is a credit score and what part does it play in your mortgage loan process? Here are the answers … Continue reading What’s your Credit Score?
First face the facts. You missed payments or made late payments to the credit card company. You need a loan now or will want one in the future but your credit report doesn’t show that you are the best risk for a potential lender. So what to do? You could try to bury your head … Continue reading Credit Repair: Crafting a Letter For Improved Credit
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