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When deciding on the right time to file for bankruptcy, it’s important to consider all the factors associated with such an important financial decision. Many individuals may feel they are a few steps from going under.How can you tell if bankruptcy is the best choice for you? Click here to read more »
Bankruptcy may seem like it is inevitable but there are a few strategies you can try before filing. Follow some of these steps before you decide that bankruptcy is the only option left.
Bankruptcy is not the end of the world when it comes to credit but rebuilding your credit is something you will have to actively work toward. Your credit will not rebuild itself. However, if you take the necessary steps to rebuilding credit after bankruptcy, you will see your credit score rise in no time. Click here to read more »
Living happily ever after means being realistic about finances, and open and honest about all aspects of your life together. While marrying someone who has previously declared bankruptcy does not automatically affect your own credit rating, money management will affect your future together.
Discuss with your intended the reasons that led to a bankruptcy, and the lessons he or she learned about financial affairs. Whether it was a Chapter 7 or Chapter 13 bankruptcy and what led to it can certainly have an effect on your life. Remember that a bankruptcy is reported on an individual’s credit report for a minimum of seven years. With a Chapter 13 court-mandated repayment plan, you might face an additional financial burden as a couple until the debt is repaid. Click here to read more »
You’ve overspent on your credit cards, and then you had major car repair expenses and some problems at work. The bill collectors are closing in and prospects for the future look bleak unless maybe your lottery ticket pays off. But you’ve stopped believing in miracles. All you would really like is some relief from day-to-day worries, and perhaps some additional time to pay your debts. You have a job, and some assets. For now, you have a place to live and you can still afford groceries, but you know you have to be careful, and there’s no money for fun; certainly not enough to handle another emergency. Click here to read more »
The tighter your financial situation is, the more important it is to budget everything, including your utility bills. In most parts of the country, gas and electric can vary widely from month to month. Gas bills can double over a very cold snap and electric bills can be a fraction of the price when there’s no need for air conditioning. Click here to read more »
Having a budget is a great way to save money and eliminate unnecessary spending. Having a budget is scary to some people while others know no other way. No matter your experience with it, there are ways to budget and save even more or make sure that you can stick to it. Follow these tips to start saving or save even more. Click here to read more »
Bankruptcy carries a stigma that is unwarranted. This legal process simply allows you to get out from under onerous debt and gives you a fresh start. In many cases, the only people who know about your bankruptcy are your legal team and your immediate family. Your mail carrier may know as well, but they’ve been delivering your dunning and collections notices for years and pretty much know what’s up with every family on the block.
Deciding who to tell about your bankruptcy is up to you; people may be a lot less interested in your finances than you think, particularly if you don’t seem shamed or embarrassed by this common process.
When you are filing for a bankruptcy, it can feel like the process takes forever. While there are certain guidelines in every state that must be followed, there are ways you can help speed along your bankruptcy process. When you are in the midst of financial trouble and you want to get a bankruptcy done quickly, hiring a bankruptcy lawyer to guide you through the process is your first logical step.
For many people, student debt is a debt that cannot be avoided. However, there are ways to keep it to a minimum. There are tips and tricks you can and should take advantage up to reduce the burden of student debt.
These steps should be taken at the beginning of your student career to optimize them but even if you already have a lot of student debt, there are actions you can take.
Even when you are in the midst of financial troubles, it is possible for you to donate to charity. When you make a donation to a qualified non-profit organization, your donation will be tax deductible. You will save money on your taxes and you will be able to help the cause of your choice at the same time.
Are you have some financial trouble? Are you worried or ashamed or embarrassed about the possibility of filing for bankruptcy?
At Clark & Washington, we understand that there are stigmas associated with bankruptcy. We want to debunk these myths.
No one is immune to financial trouble, even celebrities. Read this list of celebrities that have declared bankruptcy and bounced back from it successfully. Life after bankruptcy is very possible, as these celebrities have shown us!
Are you struggling with your finances and having trouble keeping up with your bills? Do you avoid creditors because you know you can’t pay them? Have you thought about filing for bankruptcy but are concerned about the stigma that goes along with it?
If you have answered yes, it’s time to debunk those myths. There is no shame in declaring bankruptcy; instead, it demonstrates you want a fresh start in life. Here are three reasons bankruptcy is a good thing and shows how much you care.
It might require a lot of creativity, but there are a number of ways to enjoy family outings — even eating out — and still adhere to a strict budget.
Set aside a specific dollar amount in your weekly budget for “fun” and then make a special effort to schedule the time to enjoy it. It’s especially important when you are having financial difficulties to maintain close relationships with family and friends.
Looking for help on your student loans? While traditional loan management tactics are infamously difficult to apply to student debt, there are ways to get forgiveness, discharges and alterations! Here’s the positive side of debt aid.
The need to keep up with the Joneses can feel very real and very daunting. Especially in suburbs of large cities like Atlanta. Are you living in a suburb and hoping to save some money? Look no further, here are some of the best ways to save money while living in Marietta.
Very few people have all the money they would like. No matter what your income, though, you can set reasonable goals in order to better your financial position during the coming year.
Three of the most pressing financial issues that face families, especially young families, today are:
The decision to file for bankruptcy should never be taken lightly, but if you are exploring that step as a solution to severe financial difficulty, take the time to tackle the details early in the process.
Your first step should be to schedule an initial consultation with a trained and trusted bankruptcy attorney. As you probably know, there are various types of bankruptcy, and specific requirements, timetables and limitations that vary from one state to another. Your legal adviser will answer all your questions, and tell you about the checklist of documents you will be required to provide. You might also gain insight into other possible options. No matter where you currently are along the path toward bankruptcy, remember that the actual filing takes time. There is no “one size fits all” form of bankruptcy, and you must be comfortable working with your attorney throughout the process.
If you are facing a holiday season that might be less than jolly because of facing financial woes, resolve to shift the focus this year away from what you can’t do to the things that are really important to you and your family.
In order to do this, schedule a family conference well in advance to agree on a holiday strategy. Many families have strong opinions about the holidays, therefore, it is important to set expectations as a group. Read our list of alternative holiday suggestions to get started.
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