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Bankruptcy is a subject that is still surrounded by stigma. There is a misconception that people who pursue this avenue have always been careless with money. This is simply not true. While reckless spending can cause financial trouble and it is a factor in some...
There are multiple reasons why someone might choose to pursue a Chapter 13 bankruptcy instead of a Chapter 7 filing that would produce a faster discharge. They may earn too much money to qualify for Chapter 7 proceedings or worry about the risk of asset liquidation....
Getting into debt can be easy, but getting out of it isn’t. However, to get out of debt, you have to make some changes, including your spending habits. Formulating a solid plan to address your debts is a great first step, but there are some pitfalls that you should...
It is not uncommon for couples to take on debt together during their marriage. These debts are referred to as marital debt. It could be a mortgage, an auto loan or even joint credit cards. When you go separate ways, these debts have to be repaid as per the terms you...
The decision to end a marriage is a life-altering one that usually comes only after all other possibilities are explored. For some people, a divorce is a joyous event because they’re getting out of a bad situation. What they don’t realize is that they’re going to...
When debt becomes too much to handle, many individuals and businesses file for bankruptcy. Though there are six types of bankruptcy, the two most common ones — which target consumers — are Chapter 7 and Chapter 13. Chapter 7 deals with asset liquidation, and Chapter...
Divorce is a very stressful life event. The process becomes even more difficult if you have kids together. And one of the most heart-wrenching conversations you can have is talking to your kids about the decision to divorce. Even if the decision is mutual, this...
When their debts are spiraling out of control, many homeowners worry about protecting their homes from foreclosure. A lot of times, a temporary bump in the financial road can lead to missed mortgage payments – and that can be a lot to catch up, even once you have...
When people go through bankruptcy, they sometimes have the opinion that credit cards are responsible for that bankruptcy and therefore should be avoided. They may have had to cancel all their credit cards during the case, and they swear that they’ll never get them...
It’s typically best for children whose parents are separated or divorced when those parents have consistent rules and expectations of them across their households. These can be negotiated and detailed in your parenting plan. The reality, however, is that one parent is...