Debt & Bankruptcy

My wife and I have decided to take the debt free journey. We have both been dreaming of a future, and that future does not include debt. I will leave weekly updates on our progress and I hope that our story will encourage others to pay off their debts and change their lives.

Find out what to do if your roommate won't pay rent. In certain situations, there might be some protection or leniency around what you can do to save yourself the financial burden.

Some thoughts about how to save money on food so you can help get out of debt faster.

Debt, what is it good for?

Debt consolidation loans can help you save money and pay off debt faster because more of your payment goes toward the principal balance.

While there are many defenses to lawsuits, not all defenses are valid defenses to lawsuits filed against consumers for defaulting on credit card debts. The purpose of this article is to help consumers determine the defenses that will help them.

Even in these tough economic times, bankruptcy is seen as a last ditch option when all other methods of debt repayment have been exhausted. While bankruptcy does create a black mark on your credit report, often the damage from filing is less than...

There is good debts and bad debts. Good debts put money into your pocket whilst bad debts take money out of your pocket. Good debt is someone else pays and bad debt is debt that you pay.

It took me a little while and 10 ways to repay my debts but with strong determination, a plan and being focused, I was able to repay all my debts. It was not easy but it can be done. Just ask help from financial expert who will help you. It just needs commitment, patience and hard work.

101financiallessons You’re reading this because you’re carrying more debt than you can handle. Don’t worry; you’re not alone. The causes for financial troubles are as varied as the people who carry the debt – from those experiencing...

Knowing your rights and how to respond to a debt collection letter is the first step in resolving or settling your unsecured debt with a bill collector or commercial collection agency. A sample debt collection response letter is included in this article. Read more...

Do you know if you have any unclaimed refunds outstanding from your state? If you aren't sure, now is the time to find out if you are owed something from your state. Find out now.

Collectors can be a real drag, especially if you are trying to get your credit score up. It can be almost impossible to get them to stop calling and threatening you. What you may not know is, there is something you can do about it. You don't have to file bankruptcy.

Social Security, Medicare and Food Stamps--how these programs really work, and their faults.

Collection agencies have several ways of getting information about debtor bank accounts. They can make you disclose this information in court or use information provided by your original creditor to find your accounts.

CONSUMER PROTECTION LAWS Foremost, people must be informed of consumer protection laws and definitions with respect to debt collection practices. This article will discuss the Fair Debt Collections Practices Act, which is a consumer protection law...

Communicating with the tenant is critical to the tenant/landlord relationship. Both parties must understand and respect the other. When there is a problem because the tenant does not follow the lease, take the time to discuss the situation. It is important for the landlord to re-emphasize the rules of the tenancy, and try to work things out. It may prevent the landlord or property manager from the financial and time-consuming burden of taking eviction action.

Learn the steps to properly filing bankruptcy in Indiana including tips on which chapter you should file and why...

Debt can make or break your credit score! Is there really good debt? Yes! Learn what debt you should be accumulating and what debt to avoid.

Negative items on you credit report can hurt your credit, or even help you get that job that you want. Discover how to remove negative item and improve your credit report today.

Out of the box advice for those out there who cannot make ends meet or pay their bills. Forget about listening to the usual suspects..times are hard and tough times call for tough decisions.

If you are overburdened with your longstanding credit card debt, fed up of receiving harassing phone calls by your credit card issuing bank, want to get rid of debt collectors who threaten you at your home and office on a regular basis, and don’t...

Change your Name to clear debt Some people with outstanding debt often ask - If I change my name, will my creditors find me? The reply is - not always. It would depend on certain factors. Here are the actions you need to take to change your...

The curiosity to write this article came from my sincere pleasure to help in the fight against global cybercrime especially the advanced fee fraud, which is eating deep into our Internet world today. This has made the Internet, which is supposed to...

In America, sadly, the lost art of saving and money management have become victims of our current thorny monetary crisis and we have no one to blame, but ourselves. The solution begins not just in determining...

Being broke is something that most people really don’t like. Let’s think about it for a moment. It usually conjures up images of not enough of food, resources, fun… just about anything!

Did you know? A Debt Collector can not call you back if you hang up on them, for 7 working days. They cannot threaten to sue you either. Unless it's absolutely their usual company process. Threatening to sue you, and then not suing, is actually a...

Collection Agencies use the telephone as a tool to contact consumers. Many times though the manner that they use it violates collection agency laws. You do not have to be taken advantage of by collection agency phone harassment. Here are some...