With one out of every seven households in the US today either in the process of bankruptcy proceedings or having just completed bankruptcy proceedings, it has become vital that anyone who is currently experiencing debt management problems understands exactly what their debt relief options are. Here we discuss debt relief, law, and your available options. … Continue reading Knowing your Debt Relief Options in Law
Most people find out the hard way how easy it is to fall into dept. You have probably said to yourself “Oh what the hey, I deserve to splurge on myself from time to time,” to relieve your guilty mind about buying something you really don’t need and pay for more than you can afford. … Continue reading How to Choose a Bankruptcy Attorney
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
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
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
If you’ve recently applied for credit or a loan and have been denied, do you know why? It might be worth taking a look at your credit report to see just what potential lenders are going to find on your report. In fact, you are entitled to a free credit report within 60 days if … Continue reading Six Steps to Fixing Errors on your Credit Report
Whether you’re in debt because you’ve overspent on your credit cards, or because you’ve taken out too many loans to fund your consumer spending lifestyle, the time has now come to accept the cold harsh reality of what you’ve done: you’ve spent more than you’ve earned! But, don’t beat yourself up over this too much, … Continue reading 5 Ways to Repair your Bad Credit Rating
A credit report is a record of your debt paying history. This includes your history paying credit cards, mortgage loans, student loans, car loans, department store credit cards, etc. The credit reports are compiled by companies called credit bureaus. The credit bureaus write your report based on information they get from companies that gave you credit in … Continue reading The Credit Report
Credit card debt is at an all-time high, and more people than ever are burdened with more debt than they can possibly repay in a reasonable amount of time. While part of this is due to simple overspending, part of it is due to the fact that credit card debt carries some of the highest … Continue reading Finding the Best Credit Card Offer
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