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When you're caught in financial strife, you may feel overwhelmed and desperate for solutions to manage your mounting debt burden. Debt settlement is one way to negotiate with creditors to pay less than you owe. While debt settlement may seem like a great option, it is...

They don’t teach finance in most schools. So it is no surprise that so many Americans have problems with their finances in adult life.  While bankruptcy could happen to anyone, certain things could make it more likely to happen to you. Co-signing for things Co-signing...

You might feel embarrassed about having to file for bankruptcy. That could lead you to want to keep it a secret from everyone. Most people need never find out, but it is certainly worth telling some close family members. Here are a few reasons why: It may affect them...

If you are considering filing for bankruptcy, it’s important not to do anything that could harm your chances of acceptance. Here are two such things to avoid: 1. Making one last big purchase Bankruptcy courts typically allow you to keep a few essentials. Maybe that’s...

Deciding to file for bankruptcy does not come easy. People delay for all sorts of reasons. For example, you might hope that you can somehow resolve the situation. Or you might delay it because you feel ashamed to file. Yet, in many cases, people look back and wish...

If you are up to your eyeballs in debt, it will affect your health. Put simply, being in too much debt is bad for your mental health and poor mental health can in turn lead to poorer physical health. Here are some of the ways debt can affect health: You struggle to...

Some people feel a sense of guilt regarding bankruptcy. If they have to file, they feel bad because they think they must have made a mistake. The bankruptcy is their own fault and they blame themselves, perceiving this as a failure. But the reality is that bankruptcy...

Filing for bankruptcy can help individuals who are struggling to manage overwhelming debt to secure a stronger, more stable financial future. Yet, many individuals who could benefit from bankruptcy protections hesitate to file.  One common concern for those...

Bankruptcy is a legal protection that helps people to take control of their finances by allowing them to use a process overseen by the court. Two types of bankruptcy are commonly used by consumers – Chapter 7 and Chapter 13.  In a Chapter 7 bankruptcy, the person...

If you owe a significant amount to creditors, you may feel isolated and lost. Nonetheless, it is important to remember that millions of people in the U.S. are in a similar situation, and help is out there.  One tactic that you can use is to negotiate with creditors....