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January 2016 Archives

4 things to do to avoid or pay down debt

When faced with debt of any amount, it's easy to become overwhelmed. In an overwhelmed state, we often fail to take action because no action seems big enough to deal with the problem. With debt, however, the little actions you take can build up to a big solution. Here are four actions you can take to help your debt situation.

Why does Chapter 13 take longer than Chapter 7?

Before filing for bankruptcy, it's important to note that Chapter 13 bankruptcy isn't as quick as the most common type, which is Chapter 7. With a Chapter 7 filing, if all goes as planned, you could be done in a few months. With a Chapter 13 filing, you may not be done for five years. Why is there such a big difference?

Man who filed Chapter 13 sues over continued collector harassment

Once people make the difficult decision to file for bankruptcy, they often feel a sense of relief that they've taken some control over their debt situation and will no longer be constantly harassed by debt collectors. Not all collection companies, however, play by the rules.

A sudden jackpot doesn't always solve your problems

When facing severe debt, it's common for individuals to daydream about a sudden windfall that saves the day. All you need to set things right is a bit of an inheritance or a small lotto win. Concentrating on the possibility of such a windfall -- which is an unlikely event -- often means individuals don't concentrate on the legal and financial actions that could make a true difference in the situation.

Is it OK to have a late payment with Chapter 13 bankruptcy?

You've been approved for Chapter 13 bankruptcy, and you've even made some payments, but things just don't work out one month. You don't have the capital you need to make the payment or you simply forget to make it. Either way, you miss the payment and you're going to be late. Now what?

Should you pay off your Chapter 13 bankruptcy plan early?

Many people choose the Chapter 13 option when they file for bankruptcy. Also known as the "wage earner's plan," it usually consists of a three- or five-year repayment schedule. You pay the money to a trustee who then disburses it to your creditors. If you can qualify for it, it's often preferable to Chapter 7 bankruptcy because you don't have to liquidate assets and it can stop a potential foreclosure on your home.

Serious financial hardship a serious problem for cancer survivors

Being diagnosed with any serious illness can completely change a person's life and future. In the blink of an eye, a person can go from worrying about what to make for dinner to worrying about life expectancy. This can be especially true for people who are diagnosed with cancer.

Even with insurance, medical bills can devastate Florida families

No one wants to get sick or hurt. To avoid this, we do things like wear our seat belt, exercise, eat our vegetables, wash our hands and stay away from dangerous situations. However, we are not immune to injury or illness and despite our best efforts, a trip to the doctor can become necessary.

Qualifying for a short sale: what you need to know

Facing the possibility of losing a home in foreclosure can be a devastating blow to any homeowner. However, it is not one that typically comes as a surprise to anyone considering the fact that it comes on the heels of multiple missed mortgage payments.

Which credit card company sues the most borrowers?

When people get a new credit card, they often take several factors into consideration. Things like interest rates, perks, credit limits and card acceptance can all play a role in how we choose credit cards. However, there may be one more element consumers will want to consider: how the bank deals with delinquency.

Will I have to leave my home immediately after foreclosure?

Hearing the term "foreclosure" can send any homeowner into a panic. Indeed, the legal process of foreclosure is a serious one and should be taken as such by anyone who is at risk of foreclosure or has been notified that a foreclosure claim has been filed.

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