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When you have numerous debts that you can not pay, you might face the possibility of losing your home or property. You might have creditors contacting you relentlessly trying to collect money that you do not have. Bankruptcy can provide relief from overwhelming debt...
If you owe a debt, creditors or the debt collectors they hire may try numerous tactics to find you and collect the debt. This can be worrisome and stressful, but you must remember that there are laws and regulations that apply to debt collections. Can creditors call...
The COVID-19 pandemic affected every part of our lives. The sudden shutdown of normal life brought the U.S. economy to a near standstill. Many of us in Santa Rosa who could not work from home lost our jobs or got very sick and could not work. A lot of people are still...
If you have debt, student loans may make up a large portion of what you owe. Generally, it is harder to get student loans discharged during the bankruptcy process, but it is possible. According to Federal Student Aid, you must file for an adversary proceeding if you...
Many married individuals keep an embarrassing secret or two. Some secrets might be harmless, but nearly half of Americans are hiding something potentially devasting from their spouses. Around 43% of married Americans are hiding debt from a significant other. This can...
If you struggle with bills you cannot afford to pay, you might feel shame and embarrassment about sharing your financial issues with others. Often, these emotions prevent people from seeking life-changing help with debt. These strategies can help you overcome the...
Life should be about more than constantly struggling to stay on top of your bills. If you have too much debt, you are likely to experience anxiety, depression and stress. These emotional consequences of debt may cause your physical health to fail as well. If you have...
If you are behind on paying rent and your landlord is attempting to evict you, it may be difficult to remedy the situation if your landlord has already initiated legal proceedings. Unless you can produce the outstanding rent or enter into a payment plan, your landlord...
If the loss of your home is keeping you from considering bankruptcy, it should not. Chapter 13 bankruptcy allows you to keep your home and rid yourself of some of the debt that burdens you. Chapter 13 does not require you to liquidate assets in exchange for...
If you've filed for bankruptcy before and wonder if you can file again, the answer is yes. However, when you can file depends on what type of bankruptcy you filed initially and when you filed it. The length of the waiting period for an additional filing depends on...