BE DEBT FREE

Filing for a chapter 7 bankruptcy can offer you relief from debt that you’re struggling to repay. It means that certain debts are discharged and you can become debt-free as a result. There may be debts that cannot be discharged under chapter 7 which you need some help with making affordable repayments, or you may

If your debts become insurmountable, they will probably impact most (or all) elements of your life. Overwhelming debt has even been linked to physical and psychological problems like high blood pressure and depression. Getting out of debt and back on track is a healthy approach to your situation. Bankruptcy can help, but which type should

If you’ve made the decision to file for bankruptcy, you probably realize that the sooner you begin the process, the sooner you can be on the road to financial health. However, with the holidays not too far away, you may be concerned that filing now will mean no Christmas gifts for loved ones and friends.

Did you know that there is no limit to the number of times you can file for bankruptcy? While there is no limit, you do need to know that there are time restrictions, as well as other requirements, that may prevent you from filing certain forms. To understand when you can file, remember the following

When individuals in Alabama fall behind on bills, they can expect their creditors to engage in aggressive enforcement efforts. From lenders trying to reclaim collateral property like vehicles through repossession to civil lawsuits and wage garnishment, there can be many negative consequences of falling behind on your obligations. If you make too much money to

Like a lot of other Americans, you’ve struggled with your finances over the last few years. It seems like the bills keep getting bigger, and your resources keep getting smaller. The only real thing you have of value that you own outright is your car or truck. Should you consider a title loan? Title loans

There are several different kinds of personal bankruptcy available. If you own significant personal property or have an above-average income, then Chapter 7 or liquidation bankruptcy may not be the best option for you. Chapter 7 bankruptcy would require that you sell off some of your assets to discharge your debts, and there are strict

They say, “Home is where your heart is.” What if your heart leaps every time there is a knock at the door? Do you consistently check the caller ID before answering the phone? Are you avoiding the mailbox, which is now stuffed to overflowing will bills and notices? Spending sleepless nights in fear of losing

If you have made the difficult decision to start a Chapter 13 bankruptcy, you’re not alone. There are many people who elect to go into bankruptcy to get back to a place of financial security, to get their debts on a monthly payment plan they can afford and to have some debts discharged. Since Chapter