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Category Archives: Debt Management

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Thinking of Debt Settlement? Think Again

By Nowack & Olson, PLLC |

Some people will do anything to avoid filing for bankruptcy. They might meet with a credit counselor and try to develop a budget. They might unplug their phone and hide under the covers. Another option debtors consider is debt settlement. At our firm, we have had clients file for bankruptcy after failing to settle… Read More »

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What to Look for in a Credit Counselor

By Nowack & Olson, PLLC |

Many indebted consumers try credit counseling in an attempt to get on top of their debt. Although credit counseling is not a silver bullet, it can sometimes help consumers who need a little bit of time to whittle away at their financial obligations But not all credit counselors are the same. In fact, there… Read More »

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Money

How to Keep Medical Debt from Affecting Your Credit Score

By Nowack & Olson, PLLC |

The United States is still a long way off from providing health care for all of its citizens. Even if you have health insurance, you might have a sky-high deductible or a very-low reimbursement rate. It is not unusual for even insured people to have tens of thousands of dollars in medical bills, and… Read More »

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CreditCards

Credit Card Debt Continues to Get More Expensive

By Nowack & Olson, PLLC |

If you carry a credit card balance, you probably regularly check your monthly statement. You might have noticed something surprising over the past year—even though you are regularly paying your debt, your balance does not seem to be declining as fast as it should. There is a simple reason—your interest rate has probably been… Read More »

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DebtColl3

How to Boost Short-Term Income

By Nowack & Olson, PLLC |

When a person’s expenses exceed their income, it is natural to feel stressed. Getting out from under debt—or even buying this week’s groceries—might seem like an impossible task. Nevertheless, there are some simple ways to earn extra money that do not require that you go get a four-year college degree. Instead, try one of… Read More »

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Bankr18

Best Way to Pay Off Your Debts

By Nowack & Olson, PLLC |

As summer turns to fall, many Floridians are assessing their financial situation. Having splurged on a summer vacation with the kids, you might be shocked when your credit card bill arrives in the next few months. Fortunately, many Americans pull themselves out of debt each year without the help of a debt management firm… Read More »

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ArguingCouple

How to Discuss Bankruptcy with Your Spouse

By Nowack & Olson, PLLC |

One feature of the bankruptcy code is that married consumers can file for bankruptcy with their spouse. Of course, not everyone should file with their spouse. And even if you choose to file as an individual, your bankruptcy will affect your spouse and your future together. All of this is to say that married… Read More »

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Discharging Debts Related to Driving Under the Influence

By Nowack & Olson, PLLC |

Driving under the influence is expensive in Florida. Not only will you have to pay fines in excess of $1,000 or more, but you might also have to pay a court judgment if you injured someone while driving under the influence. Although bankruptcy can help you discharge many kinds of unsecured debts, can it… Read More »

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Bankr17

Why Debt Settlement May Not Be a Great Idea

By Nowack & Olson, PLLC |

Are debts weighing on your mind? If so, you probably are finding it hard to sleep at night or think about anything else during the day. The good news is that help is available. However, not all debt relief options are the same. One terrible option is “debt settlement,” which typically involves trying to… Read More »

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Three signs bankruptcy may be the best path for your business

By Nowack & Olson, PLLC |

Deciding to move forward with relief through bankruptcy can be difficult. These three questions can help. Considering filing for bankruptcy is not easy. This is particularly true for those who are attempting to keep a business running. For many entrepreneurs, a business is more than just a professional endeavor. Businesses often have strong personal… Read More »

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