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How to Spot a Student Loan Scam

There are few debts more stressful than student loans. While in cases of extreme hardship they can be discharged through bankruptcy it’s very hard to do so. That means plenty of Americans are feeling the strain of huge payments and debt loads they may never see the end of. And scammers are stepping in to…

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Can I Get a Mortgage During Chapter 13 Bankruptcy?

Most of the people who file Chapter 13 bankruptcy are trying to save a home they already have. But in some cases, people who are working their way through a Chapter 13 plan start considering a home purchase. And if you’re one of them, take heart: it is 100% possible to get a mortgage while…

SaveHome

How Bankruptcy Can Save Your House

Facing foreclosure? You can run out of options fast. You apply for a mortgage modification, only for the bank to deny it. You try to catch up, and you find it impossible. You try to stall through any of the legal remedies open to you, and you fend off scammers. But you’re really only buying…

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How to Spot a Foreclosure Scam

You’re vulnerable when you’re facing foreclosure. You’re under a lot of stress, and you may not know what you should do to protect your home. So if you’re in this situation, it’s very important for you to know the signs of a mortgage scam so you don’t lose money you can ill-afford to lose. Asking…

Soldier - Blog

What Should I Know About Filing for Bankruptcy as a Member of the Military?

If you’re in the military and you’re thinking about filing for bankruptcy, you’re not alone. Active duty service members file for bankruptcy every year. It’s important to realize you have the same rights as civilians when it comes to taking advantage of this legal form of financial relief. You also have some resources civilians don’t,…

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Can I File Bankruptcy With a Reverse Mortgage?

If you’re one of the many seniors who is exploring the possibility of bankruptcy and you’ve got a reverse mortgage, this is an important question to ask. The short answer is you can file for bankruptcy. The long answer is: but it can get complicated. Here are some questions you should be asking yourself, and…

CollectionAgent

5 Things You Should Know About Collection Agents

Collection calls are annoying. They’re stressful. They’ve been known to reduce strong individuals to tears, and they’ve been known to wring money out of people who will have to go without groceries or medicine to satisfy them. That’s why it’s extremely important to realize what you’re dealing with. And what your rights are. #1) Collection…

PayInvoice - Blog

Should I Pay Any Debts During the Automatic Stay?

One of bankruptcy’s best powers is its ability to grant you relief from creditor actions through the legal method known as the Automatic Stay. The automatic stay keeps creditors from contacting you or taking any legal action against you. For many borrowers, that means you’re not going to write another check to most of your…

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What is the Process in a Chapter 13 Bankruptcy Case?

As you might imagine, a Chapter 13 case is far more complex than a Chapter 7 case. It’s the type of case no borrower gets through without a lawyer. There are, for example, a lot more places, reasons, and ways for creditors to make objections when you file a Chapter 13 case. There is a…

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What Happens to My House During Bankruptcy?

If worries about your house are keeping you from filing for bankruptcy, you are not alone. Lots of people are afraid that bankruptcy automatically means losing the house.  In truth, much depends on your bankruptcy strategy. And developing the right one will mean asking a series of important questions.  Are you current on your payments,…

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Is Using a Bankruptcy Petition Preparer a Good Idea?

When you’re in a state of financial distress it’s natural to become overwhelmed with the idea of spending any money at all. So it’s no big surprise that some people turn to “petition preparation services” to try to file their bankruptcy. But these services can be as bad, if not worse, than trying to go…

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Will Bankruptcy Stop Me From Getting a Small Business Loan?

If you’ve got an eye on an entrepreneurial venture, the thought of filing for bankruptcy might be especially scary. Will bankruptcy kill your dreams of business ownership for good? The short answer: “Probably not.” The long answer takes a little more explanation. Your personal credit score will improve. Sure, the narrative the credit card companies…

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What Are the Steps of a Chapter 7 Bankruptcy?

It is always hard to take a step when you don’t know what’s going to happen. That’s why we wanted to take the time to walk you through the steps of a Chapter 7 bankruptcy. This can also help you get prepared for the bankruptcy process so that you reap the maximum amount of benefit…

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Can I Recover Garnished Wages in My New Jersey Bankruptcy?

In the state of New Jersey creditors can garnish up to 25% of your wages if they are successful in winning a lawsuit against you. That first much smaller paycheck often serves as a wake-up call to people who had been contemplating bankruptcy but who had, for one reason or another, hesitated before moving forward.…

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Why People File for Bankruptcy

While many people would like to dispute it, numbers don’t lie. The American Journal of  Public Health recently ran a study which discovered medical debt accounts for 66.5% of all bankruptcies. See also: Tips for Tackling Medical Debt. Student loans account for 32%. That means only 2% of bankruptcies are caused by credit card debt.…

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