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Monthly Archives: April 2014

A Charge Off Is a Bad Thing For Your Credit

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If you are late on paying a debt payment for over 90 days, you may see a label on your debt as “charged off”. This type of “charge off” label on a debt is not a positive mark. Many people falsely believe that a charge off means the debt has been charged off of your Continue Reading

5,607 Bankruptcy Filings Last Month in Orange County and Riverside

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The Central District of California includes San Luis Obispo County, Santa Barbara County, Ventura County, Los Angeles, Orange County, San Bernardino County, and Riverside County. Within the Central District Jurisdiction, there were 5,607 total bankruptcy filings last month, March 2014. Out of all the California Districts (Northern, Southern, Eastern, Central), the Central District of California Continue Reading

Weekend Activities Need Not Be Expensive!

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Happy Friday to all. This post is simply a reminder that weekend activities do not need to be expensive to be fun. If you are in Southern California as we are, there are many activities in our great cities and counties that are nearly free to you. If you are not in Southern California, you Continue Reading

Do You Need To Wait Until The End of the Bankruptcy Process To Discharge Debt?

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We get many calls and questions around how long the bankruptcy process takes to be over and discharge debt. It is actually not necessary for you to wait all the way until the discharge of your debt at the end of the bankruptcy process in order to relieve you from your collections and debt issues. Continue Reading

Where Can You Find Info on Student Loan Forgiveness?

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Student loan debt is a hot topic in the US today because most students will graduate with student loan debt looming over them and student loan debt in the US is at an all-time high. So, where is the best place to start when you are looking for student loan debt forgiveness? Start with your Continue Reading

Pay-day Loans Can Be Eligible for Discharge in a Chapter 7 Bankruptcy

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This is a quick reminder that most payday loans or cash advance loans can be discharged in Chapter 7 bankruptcy if they are not secured by an asset and if you qualify for Chapter 7 bankruptcy. Many pay-day loans have been considered as predatory lending due to the interest rates that pay-day loan companies charge. Continue Reading

Can You File Bankruptcy Without an Attorney?

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If you are short on funds and cannot afford a law office to help you due to high prices, you may be able to file on your own in a bankruptcy. How do you know when you can file on your own and when you need a law office and bankruptcy attorney to help you? Continue Reading

Bankruptcy Is a Realistic Option

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For many average consumers out there, bankruptcy is one thing that your parents and your colleagues tell you to avoid though out your life. When it comes to debt, all solutions should be considered if you are trying to resolve your debt when you are unable to make payments to pay it off. So, is Continue Reading

Can You File Bankruptcy If You Are Receiving a Tax Refund?

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If you are worried about losing your tax refund because of a bankruptcy, don’t worry about it. It is not necessary to surrender your tax refund even if you are filing for bankruptcy. Your tax refund may stay in tact as long as you do not exceed the exemption limit for cash in a bank Continue Reading

Bankruptcy: The Earlier, The Better

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If you are in a difficult financial situation, don’t fool yourself into thinking that your situation will be changing if there is no evidence of future cash flow coming in soon to resolve your situation. If you are unemployed and do not have any prospects in the future, you need to explore a new solution. Continue Reading