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Top 7 Reasons Why Most Americans Are In Debt

Everyone has had some experience with debt or knows someone who is in debt. There are some types of debt that are considered good, while some are bad for you. Mortgages are an example of good debt because the property appreciates over time and even if it doesn’t, you can earn of your mortgage by renting… Read more »

Can the bank just show up and kick me out of my house?

Are you dealing with a possible home foreclosure? Many people in this situation will ask, “Can the bank just show up and kick me out of my home?” The short answer is no. Only a court can order you out of the house and force you to leave. Sure, they may evict you, but there are… Read more »

Do I Qualify for a Chapter 7 Bankruptcy?

When you feel as though you have no alternatives, you might consider consulting an attorney to file for a chapter 7 bankruptcy. Do you qualify? Here are the steps to find out: Compare your average income over the past six months with the median income for your state. If your average income is below the state… Read more »

Put A Stop To Debt Collector Harassment

Struggling with debt can bring on a lot of unnecessary stress and troubling questions: “How will I get back on track financially?” “What if I can’t ever make ends meet?” “Will I lose my home?” “What will happen to my children?” “Will I ever be able to retire?” As stressful as finding answers to those… Read more »

Is Chapter 13 Bankruptcy Right For You?

Bankruptcy is one of the most misunderstood legal protections available to consumers and businesses. The word “bankruptcy” is often tossed around as a synonym for being “broke” despite the fact that many people who file for bankruptcy actually do have a dependable income. Bad things can and do happen to good people, and they deserve… Read more »

Understanding the Bankruptcy Process in Minnesota: How To File Your Papers

The first step in filing for bankruptcy in Minnesota is to complete mandatory pre-filing credit counseling. A large number of companies offer this counseling, which generally runs about two hours and costs about $50. The Department of Justice maintains a current list of licensed providers. Ensure that your chosen class is on this list, and… Read more »

Do I Have to File for Bankruptcy if I am in Debt?

Are you stressed about your debt? If you feel that you must file bankruptcy, your are not alone. However, there are times when bankruptcy is not the answer or there are alternatives. In most instances, people will do almost anything to avoid bankruptcy. Nonetheless, the typical reason for seeking out a bankruptcy attorney is the onslaught of… Read more »

Why Choose to File Chapter 7 over Chapter 13 Bankruptcy?

The fact of the matter is, no one enjoys the idea or looks forward to filing bankruptcy. Regardless, there are certain situations when finances and debt become unmanageable and the burden is just too great. There are many reasons people seek out a bankruptcy attorney. You can find yourself with an unexpected loss of employment, out of… Read more »

Eight Prime Examples of Creditor Harassment

Creditors have the right to request payment for monies owed to them by consumers. They are not, however, allowed to harass individuals to receive payment. By law, creditors must behave in an ethical manner when contacting those who are in debt to them. Unfortunately, some ignore legal constraints and engage in creditor harassment. Here are… Read more »