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Category Archives: Debt

Repo Disaster: Owner Steals and Crashes Camaro

Determination is an admirable quality, but when a debtor decides to hold onto a sports car by any means necessary, it can lead to disaster. That was the case in Jefferson County, Alabama, where 48-year-old Sean Monroe stopped a repossession of his Chevrolet Camaro by blocking the path of the tow truck with another car… Read More »

What Debt Solution is Right for Me?

In searching for a debt solution that’s right for your particular financial situation, it can be difficult to decide where to turn. There are countless credit counselors and debt settlement organizations out there, and it’s tough to sort out the good from the bad. To receive the best possible solution, there are a few things… Read More »

How to Start Saving More Toward Retirement

As a general rule, Americans don’t do delayed gratification well. We live in a youth-oriented society that moves at the speed of technology without a thought for what is going to happen tomorrow. We live, work and consume, and push away thoughts about what it might be like for us when we are older. We… Read More »

What are the Rules for Discharging Income Tax Debt in Bankruptcy?

If you thought that you could not discharge income tax debt in bankruptcy, then you might be happy to be mistaken if you owe money to the IRS. You absolutely may discharge old tax debts, penalties and interest in Chapter 7 and Chapter 13 bankruptcies, as long as you qualify under a few simple IRS… Read More »

Understanding Your Risks and Rights with Unsecured Debt

There is a simple and easy way to understand the difference between secured and unsecured debt. Secured debt is backed by some type of property, such as a car or house. Defaulting on this type of debt typically means the forfeiture of the property in question. Unsecured debt is backed simply by a promise of… Read More »

5 Steps to Get Out of Debt in 2015

Did you make any New Year’s resolutions about getting a handle on your finances, saving more money or finally getting out of debt? Paying off debt is a worthy goal because mounting debt can cause significant stress, which is one of the leading causes of many health conditions. If you’d like to be happier and… Read More »

Seniors Increasingly Struggling with Student Loan Debt

Contrary to common belief, student loan debt isn’t just a problem for the young. Seniors are increasingly bearing the burden of overwhelming education loans. While older debtors still make up a relatively small portion of the student debt pie, their numbers are steadily on the rise. Between 2005 and 2013, student loan debt held by… Read More »

As Americans’ Debt Burdens Become Harder to Bear, Many Find Relief with Bankruptcy

Are Americans addicted to debt? A recent story in USA Today suggests that the answer is unequivocally yes. More than one in three U.S. consumers currently has a debt in collections, according to the article. As of 2013, the average American carried $38,000 in mortgage debt and almost $16,000 in non-mortgage debts such as credit… Read More »

Will my creditors stop harassing me when I file for bankruptcy in Atlanta?

One of the greatest advantages of filing for Atlanta bankruptcy is the power of bankruptcy to stop creditor harassment. From the moment you file, bankruptcy protects you from creditors and bill collectors with a legal action called the automatic stay. Under the Fair Debt Collection Practices Act, creditors are legally required to cease all collection… Read More »

Finances vs. Fitness: Americans More Concerned With Financial Health Than Physical Health

Most New Year’s resolutions revolve around self-improvement, whether it’s bettering our bodies, our minds or our finances. But if forced to choose a priority, would you pick wealth or health? If you’re anything like most Americans, it’s all about the money. At least, that’s what a recent poll by American Consumer Credit Counseling indicates. Nearly… Read More »