A tax refund can be a godsend when you’re running low on cash. If you’re thinking about going into bankruptcy, though, the prospect of receiving a tax refund may well be a pertinent one. Will you still be able to keep it? The answer depends on your...
A notice regarding the shutting off of a utility can make financial stress seem immediate. Credit card bills might remain in a pile for a length of time. While medical debt can be very annoying, it generally doesn’t impact the lights this evening. A letter from...
Bankruptcy can be stressful enough when the debts are only in your name. It becomes more complicated when another person signed on one of those accounts with you. That person may be a spouse, parent, adult child, friend, former partner, or anyone else who helped you...
Financial stress can put a lot of pressure on a marriage, especially when the debt is mostly in one person’s name. One spouse may have old credit card balances, medical bills, personal loans, or business-related debt that the other spouse did not create. That often...
For years, most people heard the same thing about student loans: “Bankruptcy won’t help.” That’s not entirely wrong, but it’s incomplete. Student loans differ from credit cards and medical bills and aren’t automatically discharged in Chapter 7 or 13 bankruptcy. Still,...
It can happen fast and it can happen to anyone. First, you miss a payment or two. Then the next month, a couple more. Before you know it, you have debt adding up quickly that’s weighing you down. And just when you think it can’t get any worse, the collection calls,...
