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Planning out your expected expenditures for the next year is essential for successfully managing your finances. By crafting a budget that is realistic, you can increase your ability to get loans and other funding, minimize the risk of personal bankruptcy and create a good estimation of your expected net income for the next year.
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In general terms, wage garnishment is an order from a court or a government agency, like the IRS, that requires an employer to withhold money from a person’s paycheck for the repayment of a debt. This means that a creditor has sued the debtor and won a judgment for the money owed. However, in some cases, wages can be garnished even without a court order. This may occur when a person defaults on a student loan or falls behind on child support payments.
Depending on the organizational structure of the business, business debts can be discharged through either Chapter 7 or Chapter 13 personal bankruptcy. In short, debts incurred by sole proprietorships or general partnerships are covered by and can be discharged through personal bankruptcy while the debts of a limited liability company (LLC) or corporation cannot be. Click here to read more »
Many college graduates today find themselves struggling to repay their student loans. Unfortunately, there are lots of scams out there that entice borrowers with promises of quick and easy loan forgiveness. Consumers need to be very careful when considering options to erase their student loan debt. If something sounds too good to be true, it is probably not legitimate. Here are some common scams to avoid. Click here to read more »
Are you worried about losing your home or other property during a bankruptcy? When a person files for bankruptcy, they are often able to protection certain types of assets – these are known as bankruptcy exemptions, and they can help you protect your property and keep your home safe. Click here to read more »
Your debts have become overwhelming and you need to begin again on a clean slate. How do you choose an experienced and professional bankruptcy lawyer? With advertisements posted on billboards and even at bus stops, how can you find a bankruptcy attorney that will help you through the process and give your case the time and attention in needs? You need representation from experts in their field and sound advice to help you make the most of the bankruptcy process. Learn how to choose the right bankruptcy attorney for your individual situation today. Click here to read more »
If you have already filed for bankruptcy once in your life, then you likely already know that you do not want to do it again. While bankruptcy can be very helpful in many situations, it also has its drawbacks. If you can avoid it, then you want to do just that at all costs. Getting your life back on track and learning new financial habits can help you avoid a second bankruptcy. Use these tips to stay frugal and live within your means.
If you are struggling to pay your bills, overwhelmed by debt or completely stressed out by your finances, then bankruptcy may be the right solution. This process is designed to allow you to eliminate your debts or to arrange to pay them back in a more reasonable matter. Once you begin the process, you’ll also get relief from collections efforts; if you’ve been coping with debt collectors, filing bankruptcy will stop the phone calls and letters. There are two types of bankruptcy and an attorney can help you determine which option is the best solution for your situation. Click here to read more »
As part of the bankruptcy process, all of your debts need to be examined to determine if they should be included in the filing. Not all debts are automatically included in the filings which is where proof of claims come into play. Learn more about proof of claims and everything that goes along with them in this article. Click here to read more »
Creating a budget is a huge step to financial freedom but creating one and creating one that you can actually stick to are two different things. Use our helpful steps to create a budget that works for you and one that you can be successful with.
Depending on your Chapter 13 bankruptcy arrangements, you may find yourself without a car or, during your years of repayment, you may need a new car. … which often means a new car loan. Because a vehicle is often required for work or family purposes, you will have a chance to buy one if necessary. Here are the important steps in the process!
If you feel like you’re drowning financially with no hope in sight, then bankruptcy may be the solution, but what are the rules? The process is complex and overwhelming for some, which is why you hire an attorney to do most of the legwork. You can save time and money, however; by avoiding some common errors when getting ready to file.
If you are looking into college and do not yet know how you are going to pay for it, then you are likely considering a student loan. It is a popular way to pay for college these days but before you sign the contract on one, you need to explore your options. There are several categories of student loans and they are not all created equally. View these types of student loans so you can better choose the right one for your needs.
Summer is coming and that is great for your children but you may be dreading it. That is because instead of being at school all day, they will be at home and they will want to do all kinds of things. The problem with that is that it can get to be very expensive to fund all of these extra activities throughout the summer. Fortunately, we have a few summer fun ideas that will keep your children happy and entertained while letting you have some financial peace.
While a Chapter 7 bankruptcy is often consider the fastest form of personal bankruptcy, that doesn’t mean it happens immediately. As the proceedings continue, you may find yourself waiting for court dates to be set, creditors to meet, paperwork to be filed, and so on. What should you do with this time on your hands? Here’s what you should know.
The decision to explore bankruptcy as a solution to serious financial problems is a difficult step to take. Sometimes our clients find themselves in a precarious financial position through no fault of their own and find that bankruptcy is the most sensible solution to their financial difficulties. Chapter 7 bankruptcy is available to individuals who meet specific income criteria.
You may have heard that a Chapter 7 bankruptcy discharges all of your debts. A discharge removes all legal responsibility of the debtor to pay the debt. A creditor may no longer seek repayment on discharged debt. While many debts can be discharged through a completed Chapter 7 bankruptcy, some debts are not eligible to be discharged.
Tax season can affect different people in different ways. For some, tax season is painless because they get a tax refund after filing. For others, it can be very stressful for a number of reasons and situations. When someone expects to get a return on their taxes and then finds they have to pay, it can be even more devastating. However, the most stressful time during tax season occurs for the people who are either in the middle of filing for bankruptcy or are seriously considering it.
Having a clearly defined budget is a must. Having a clearly defined budget written down or on your phone is even better. Use an app to stay within your means with ease. And do not spend a dime to do so. Click here to read more »
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