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One of the rules about filing for bankruptcy is that you can’t purposefully try to cheat a creditor out of their goods or services and then turn around and discharge those debts via bankruptcy. Most of the time, that’s not a problem. The majority of people are deeply...
When do we spend our money on every month? Bills, food (for home preparation), and housing are essential, but what else entices your wallet, purse or satchel to make an appearance? Clothing and shoes, jewelry, dining out, streaming services (tv, music, movies, etc.),...
Over the past two decades, bankruptcy rates have surged, particularly for older Americans. They’re now declaring bankruptcy at a higher rate than they did before, and that has many implications when it comes to retirement planning, estate planning and the other...
It’s not a surprise that there are myths about bankruptcy because it has long been a taboo subject in America. Many people worry about choosing bankruptcy and how they will be perceived, but the reality is that this protection is designed to help people who are in...
Over two-thirds of bankruptcies in the United States stem – at least in part – from medical debt. Some people file after experiencing an unexpected health emergency. Yet, others do so after their medical bills pile up over time. If medical debt has led you to the...
Different chapters of bankruptcy provide different types of protection. Most individuals who are struggling with debt will file for either Chapter 7 or Chapter 13 bankruptcy protection. Understanding the differences between the two is important for determining the...
Families across Virginia are struggling to get by. Many don’t qualify for unemployment, and the stimulus checks do not go far enough to cover everyday expenses or rent payments. After falling behind on rent, families may be concerned about what will happen next....
Filing for bankruptcy puts all your creditors on an even level because you don’t get to pick and choose who you’re going to pay what to or when. Instead, the payments go to creditors based on the specific order the law sets forth. In order to ensure there isn’t any...
If you’re considering bankruptcy, one of your biggest fears may be how it will impact your credit score and creditworthiness long term. This is a source of hesitation for many people facing significant debt. It’s true that bankruptcy stays on your credit...
Consumers throughout Virginia and the rest of the U.S. paid credit card companies more than $113 billion in fees and interest in 2018, according to the New York Federal Reserve's latest Quarterly Report on Household Debt and Credit. That figure represents a 12%...