Debt Relief

You may have heard that you can extinguish all of your debt completely in one fell swoop if you file a Chapter 7 bankruptcy. In many cases, most of your debt can be discharged through a successful Chapter 7 filing, and all debts could potentially be discharged depending on the nature of the encumbrances. However, […]

Many people are in business for themselves, and being your own boss certainly has its advantages. Of course, there are certain responsibilities that go along with business ownership as well. The lay of the land can be a bit tricky when you are trying to determine whether you can be held personally responsible for debts […]

Is Credit Card Debt Settlement Possible?

There are many different underlying reasons why people sometimes fall into unmanageable credit card debt: overspending, loss of income, unforeseen expenses. Before long, a person has exceeded their credit limit and the minimum payment is no longer just a drop in the bucket. Getting additional credit cards compounds the problem. In fairness, the credit card […]

Can I Negotiate a Debt Repayment Plan?

When you become incapable of keeping up with all of your creditors’ demands, you are naturally going to consider the possibility of a bankruptcy filing. In many cases, this is the best course of action, but you should understand all of your options so that you make the right decision. There is a popular misconception […]

Is Bankruptcy My Only Option?

Is Bankruptcy My Only Option?

If your level of debt has become unmanageable, bankruptcy may be an option, but the ideal course of action will depend upon the circumstances. There are some situations that can be addressed without filing for bankruptcy, and you can always file at some future time if you find that there is really no viable alternative. […]

Say Goodbye to FDCPA

Supreme Court Justice Neil Gorsuch issued his first opinion this week.  We learned a lot from this opinion.  Unfortunately, the most important thing we learned was that he can come to any conclusion he wants – that makes him a perfect fit for the Supreme Court.  This opinion is being heralded as well written and […]

Credit Card issues

If you are having a hard time paying your credit card bills each month, you are not alone.  More and more people across the country are struggling despite the seemingly booming economy.  See this article to read more about what is going on. Give us a call and we can discuss your options of how […]

What Happens to Your Unpaid Debt When You Die?

What happens to unpaid debt after death? It has to be handled through the probate process. A person who uses a will to handle his estate will name an executor or personal representative in the document. This individual will be responsible for the estate administration tasks. The process will be supervised by the probate court. […]

Can't Pay Student Loan Debt? Here Are Your Options

If you have not looked at the subject in a while, you may be unpleasantly surprised when you learn about the current state of college tuition costs. The College Board has compiled some very meaningful statistics that shed light on the subject. During the 2016-2017 school year, the average annual cost for private college tuition […]

How Long Does Delinquent Debt Stay on My Credit Report?

If you are unable to keep up with your debt payments, the delinquencies will be on your credit report, but they do not stay there forever. The credit reporting agencies stop including most types of delinquent debt after seven years. This can sound like a very long period of time, and it is significant, but […]