Does Debt Relief Hurt Your Credit in California?

2024-02-15T22:55:34+00:00January 15th, 2024|

It is no secret that most Americans are in debt. While the average amount varies depending on age, location, and other demographics, it’s safe to say that most people who live in this country are in debt. In the state [...]

How Do You Qualify for Debt Relief?

2023-02-06T16:11:27+00:00January 5th, 2023|

In today’s economy, it can be easy to quickly accumulate debt. Unfortunately, sometimes that debt can pile up to the point where it feels like there is no way out. If you’re dealing with an overwhelming amount of debt in [...]

What Are The 4 Main Causes of Bankruptcy?

2022-07-11T16:35:37+00:00June 28th, 2022|

When someone decides to apply for bankruptcy, it is usually because they have been struggling to keep up with their financial obligations for a while. They have finally reached a point where they can no longer see a way out. [...]

What Happens If I Declare Bankruptcy?

2022-07-11T16:29:21+00:00June 27th, 2022|

The act of bankruptcy is a legal process that allows individuals or businesses to have some or all of their debts discharged. This can provide much-needed relief for those struggling to make ends meet. It is often a solution used [...]

What Is the Difference Between Chapter 11 and Chapter 7?

2021-07-21T21:49:51+00:00June 14th, 2021|

What Is the Difference Between Chapter 7 and Chapter 13 Bankruptcy? Filing for bankruptcy is an important decision that can help you avoid your creditors’ collection activities and regain control over your finances. However, it is a serious and complex [...]

Is It Really Worth It to File for Chapter 13 Bankruptcy?

2021-06-07T19:17:05+00:00May 4th, 2021|

The word “bankruptcy” tends to carry negative connotations for many Americans, as the term signifies severe financial hardship. The reality is that bankruptcy filing can provide valuable relief from debt collection and allow some debtors to avoid foreclosure and asset [...]

What Will I Lose if I File Chapter 7?

2022-01-27T16:01:53+00:00April 4th, 2021|

While most people never expect to face overwhelming debt, millions of Americans file for bankruptcy every year to navigate insurmountable financial obligations that completely control their lives. Between harassing phone calls from creditors and severely mounting bills, filing for bankruptcy [...]

Deep, complex relationship: Americans and their credit cards

2020-02-03T13:58:15+00:00February 17th, 2016|

If you view yourself as a truly independent and free-thinking person who makes your own decisions and doesn't follow the crowd, you might reasonably take some umbrage with a recent report that unceremoniously dumps most consumers together and essentially questions [...]

America’s Middle Class: Under A Storm Cloud

2020-02-03T14:03:45+00:00December 14th, 2015|

“[T]he middle class is eroded,” financial services firm Morgan Stanley starkly concludes in a recently released report entitled “Mind the Inequality Gap.” There is certainly no dearth of sobering evidence to back up that assertion. As noted in a CNN [...]

CFPB To Debt Collectors: Pay Up For Deceptive Practices

2023-02-06T16:13:25+00:00September 22nd, 2015|

What’s the connection between debt collection companies and bankruptcy? Actually, the nexus is about as tight and interconnected as it can possibly be for many cash-strapped and beleaguered consumers. For high numbers of individuals and families in California and across [...]

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