If you find yourself drowning in debt with limited means to pay what you owe, you may find yourself thinking about filing for Chapter 7 bankruptcy protection. This liquidation type of bankruptcy may allow you to wipe your financial slate almost completely clean. A lot...

Like many college graduates, you might be wondering if you bought into a false dream. People told you that going to college would help you secure a good career. They told you you would soon be able to pay off the student loans you took out to get you through college....

One thing that you should know, regardless of the financial situation you’re in, is that you have the right not to be harassed by debt collectors. According to the Fair Debt Collection Practices Act, or the FDCPA, debt collectors cannot oppress, harass or abuse you or...

So many people in overwhelming debt live in denial. They wake up every morning with countless worries, that the only thing they feel they can do is to push them under the surface and continue with their day. Regardless of whether they have a job or not, they can feel...

When your debts are piled over your head, it’s hard enough to look at the letters in the mail demanding payment and field the messages on your phone. Now, however, debt collectors may soon stalk you in other ways. New rules from the Consumer Financial Protection...

If you have lost your job, you may be worried about how you are going to pay your bills. One of the options could be to go into bankruptcy. If you have no income, the likelihood is that you will qualify for a Chapter 7 bankruptcy. A Chapter 7 bankruptcy is also known...

If you are struggling with significant debts, you may be wondering whether filing for bankruptcy could be the right choice for you. Generally speaking, as a private individual you have two options when it comes to filing for bankruptcy: Chapter 7 bankruptcy and...

Those high-interest payday loans were so financially devastating to consumers who were already struggling that many states -- including New Jersey -- banned them. That merely ushered in a whole new kind of predatory lending known as the installment loan. Marketed to...

For most people, the idea of filing for bankruptcy can seem like a financial death sentence. While going through the bankruptcy process is never easy, bankruptcy is for people who want to eliminate substantial debt and get their financial lives back on track – which...

While you realize that bankruptcy is the most favorable option for your financial health, you may still feel uneasy about filing. You want to put it all behind you and rebuild your financial house, and you know working on your credit score is a good place to start. ...