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The Difference Between Chapter 7 vs. Chapter 13 Bankruptcy

Posted on Wed, Nov 25, 2015 @ 12:11 PM

When it comes to filing for Chapter 7 vs. Chapter 13 bankruptcy individuals might have a hard time understanding which one provides the best solution for their financial situation. Here's a simple breakdown of each type, and what advantages they could give you if you are eligible for them. 

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Tags: Chapter 7 Bankruptcy, Chapter 13 Bankruptcy

How the New Federal Student Repayment Plan REPAYE Will Help Borrowers

Posted on Tue, Nov 24, 2015 @ 11:11 AM

One of the biggest challenges that debtors have is the dreaded student loan debt. Though it's a "good debt" to have (versus high credit card debt), repaying them can be difficult for many post-graduate students finding a well-paying job after graduation. And though many federal student loans have a grace period and as many as 8 repayment options to choose from, it can be hard to find the right repayment plan.

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Tags: Student Loan Debt

3 Financial Preparations for the New Year

Posted on Mon, Nov 23, 2015 @ 11:11 AM

2016 is just around the corner, and for many of us, it promises a new, fresh start for all types of slates. One of the more popular slates many of us want to clear is our current financial woes: whether it's paying debt down, finally saving for retirement, or returning to a stronger degree of stability, there's a lot we can do. Here are three ways you can take control of your financial state, and ring in the new year with more hope and inspiration.

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How to Recover From Bankruptcy Even Through the Holiday Season

Posted on Thu, Nov 12, 2015 @ 11:11 AM

The holiday season is an eventful time, particularly for those who have just filed for bankruptcy, or have just received their discharge from the court. What's the best way to stay afloat, especially in a season that's centered around giving (and spending)? Here are our tips for staying true to your financial goals, while still enjoying the holiday cheer.

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Tags: Holiday Savings, Bankruptcy, Debtor Education Course, Credit Counseling

3 Apps To Help You Avoid The Most Common Debts in Bankruptcy

Posted on Wed, Nov 11, 2015 @ 12:11 PM

More people file for bankruptcy after they have accrued too much debt from credit cards, high mortgage payments, or unexpected medical bills and fees, especially after other life factors like a job loss. And without a safety net, it can be hard to cover these payments, even after filing for bankruptcy and discharging some loans. However, there are a few new mobile apps that are helping us become more financially savvy. Here are 3 apps that will help you avoid  the most common debts in bankruptcy, and help you save for a better financial future.

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Means Test Basics: What Is The Marital Adjustment Deduction?

Posted on Fri, Oct 23, 2015 @ 11:10 AM

What happens if you are filing for bankruptcy and your spouse is not? Accurate calculation of your means test may require you to leverage the marital deduction option. By using the marital deduction you can accurately separate expenses unrelated to your bankruptcy filing. Specifically those incurred by your spouse on a one-time or ongoing basis. Including the costs of daily life, loan or investment payments and reoccurring fees for things like a gym membership or cell phone.

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Tags: Bankruptcy

Should I File for Bankruptcy Before the Holiday Season?

Posted on Sat, Oct 17, 2015 @ 09:10 AM

If you have been struggling with your bills, you might have thought about hiring a bankruptcy attorney to help you file for bankruptcy. Although doing so isn't a decision that you should take lightly, it may be the ticket to starting over with a fresh financial start.

With the holidays around the corner, being proactive about managing your finances may be just what you need instead of digging yourself deeper in debt by charging up those credit cards while holiday shopping. 

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Tags: Holiday Spending and Bankruptcy

What Two 2015 Celebrity Bankruptcies Can Teach You

Posted on Thu, Oct 15, 2015 @ 11:10 AM

While the antics of many celebrities often teach other individuals how not to act, there are lessons to be learned from two high-profile people in the music industry who have admitted that their debt has become too much for them. These 2015 celebrity bankruptcy stories are likely different from yours but could help you when considering a similar choice.


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Tags: Bankruptcy, Bankruptcy News

September 2015 Bankruptcy Filings: Second Lowest of the Year

Posted on Fri, Oct 09, 2015 @ 11:10 AM

In a recent report compiled by Epiq Systems using data from AACER, last month's September 2015 bankruptcy filings were the second lowest month of the year, with only 62,358. January 2015 is the only month that had less filings than September, with 59,087 filings.

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Tags: Bankruptcy Filings 2015

Why Millennials and Generation Xers are Filing for Bankruptcy--And How To Avoid It

Posted on Thu, Oct 08, 2015 @ 15:10 PM

For the current population in their 20s to 40s, filing for bankruptcy is not an uncommon situation any longer. These generations are filing for bankruptcy more commonly than previous generations, due to a shift in understanding or seeing debt as a normal part of someone's financial life. In today's world of credit cards, student loans, and auto loans, it's not uncommon to have any form of debt. However, not all debt is created equal, which can occasionally lead to difficult financial situations for those who have accumulated debt over time, leading to bankruptcy. Unchecked credit card usage can lead to serious debt issues, which on top of other forms of debt, make it hard for many to see an end in sight. 

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