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Monthly Archives: May 2017

Today’s Household Debt

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Household Debt Composition Today Looks A Lot Different Than The Past Household debt has reached higher levels than before the Great Recession, but today’s debt has new characteristics that make it much more different than pre-recession times.  Home mortgages were a major factor in the debt crisis of 2007-2008.  Mortgage default in the following years Continue Reading

Is It Too Late To File Bankrupt?

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Are You Out of Time? You’ve given up on paying your debt and balances are piling up with penalties and legal fees. At this point, you don’t see any hope in finding a solution to the debt, but you do have a business prospect coming very soon. There could be a significant amount of money Continue Reading

Paying Student Loans With Other Debt

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Off the cuff, it might sound like a good idea to pay off a debt that cannot be discharged in a bankruptcy with another new debt that can be discharged in a bankruptcy, and then plan to file a bankruptcy to discharge the debt. Could you devise a plan like this just to avoid paying Continue Reading

Chapter 7 Requirements

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When considering a Chapter 7 bankruptcy, you may wonder what information you need to provide to get a Chapter 7 filed. Maybe you haven’t kept good files or records of your finances. You might imagine that the required paperwork could be too much for you to handle. The surprising fact is that the Chapter 7 Continue Reading

Credit and Debt Tips For 2017

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Managing and building credit and debt can be one of the most important aspects to pay attention to in adult life. Many times, we are thrown into a life of debt management immediately after graduation from high school or college. Student loans might be the first interaction with debt, but our relationship with debt will Continue Reading