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If you’re in what are meant to be your “golden years” and mired in debt, you’re not alone. Bankruptcy rates among Americans 65 and older have increased significantly in the past few decades. If you’re considering filing for bankruptcy to provide relief from the mountain of…
Cash advances from your credit card seem like a convenient solution when you face an unexpected bill or cash flow problem. With the quick withdrawal of funds, it can be easy to think that taking out a cash advance isn’t such a bad idea. Taking cash…
What would happen if you suddenly needed medical care? Odds are you wouldn’t consider the financial side of it very seriously at all. You would just get the care that you needed, especially if it was life-saving or would provide you with a drastically higher quality…
These days, money is tight for a lot of folks – and a lot of businesses know that people simply don’t have the cash reserves or available credit for a major purchase. Hence the proliferation of ads trying to tempt consumers with “buy-now, pay-later” plans. These…
In a divorce, you have to divide assets and debts. If you and your spouse still owe money on a car that you purchased together, for instance, that vehicle may be both a debt and an asset. You have to decide how to deal with it…
Wage garnishment is a legal process that allows a creditor with a valid claim to intercept a portion of someone’s income before they receive their paycheck, thereby forcing them to make payments on a financial obligation. A garnishment is often the outcome of a debt-related lawsuit,…
Bankruptcy may negatively impact your credit score, but it doesn’t have to define your financial future and well-being. As soon as the dust settles, it’s the perfect time to embark on a journey toward regaining financial freedom. Rebuilding your credit score is an excellent starting point.…
Modern vehicles are so expensive that most people cannot afford to purchase one without financing. Car loans allow employed individuals of all income levels to afford reliable transportation with a reasonable down payment and monthly payments on the vehicle. There will typically also be special insurance…
Those with sizable student loans are often unsure of what their financial obligations related to their education will mean during a bankruptcy. Many people have heard the myth that bankruptcy cannot discharge student loan debts. That claim is not true. There are rules that allow for…
If you’re dealing with overwhelming debt, it can feel like you owe everyone from the place you went for pizza during college to the gym you left last year because you could no longer afford that luxury. Collectors may be contacting you via phone, text and…
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