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Is Bankruptcy the Right Option?
Have you ever felt overwhelmed by debt but were unsure what to do? Maybe this feeling even left you debating if bankruptcy was the right option for you. Bankruptcy is a potential option to stabilize your finances, but is it the best way to go? Understanding what...
The Steps in Removing Debts From My Credit Reports
When googling 'debt removal legally' online you will notice a lot of overnight scams telling you that it is possible to get all of your debts removed with little to no effort. But the truth is is that it's not that simple. If your debts are over seven years old, or...
Why Buying a Home In 2023 Could Be the Greatest Gift You Give Yourself for Christmas
Many people dream of home ownership, but life can easily get in the way of this goal. You may have accumulated a poor credit score or find it difficult to qualify for a good interest rate on a mortgage loan. Regardless of the reason, it's still possible to find a way...
Does Credit Really Matter When Renting?
Your financial status is an essential part of your ability to rent an apartment. Landlords and property managers need assurance you can pay your rent, so they often ask for proof of income. This can be tax forms or recent pay stubs. They will also check your credit...
Is Bankruptcy the Right Option?
Declaring bankruptcy is often considered a last resort that should be avoided if possible. That said, many people struggling with their debt may find the only substantial relief is to file for bankruptcy. Bankruptcy allows them to erase most of their debts and start...
What if I Can’t Afford My Medical Bills?
According to a 2019 study published by the American Journal of Public Health, 66.5% of bankruptcies are caused by medical expenses or loss of work due to medical problems. Medical issues and related debt are one of the top reasons why people file for bankruptcy. While...
How Long Can a Company Try to Collect Your Debt in Virginia?
Each state has its own laws concerning debt collection. In Virginia, there is a statute of limitations for how long collectors have to file a suit to collect debts from a person. The kind of debt you owe determines how much time a creditor has to try and get a person...
How to Repair Your Credit For Real Estate Investing
While it's possible to buy real estate with bad credit, a person will receive much better loans and rates with a higher credit score. In the long run, a high credit score could save you thousands of dollars in interest. Let's review some steps to repair your credit...
How to Begin Building Credit
Everyone starts out with zero credit and then must work towards building a high credit score. Some people may not fully understand credit and then end up with a poor credit score that prevents them from obtaining lines of credit or loans with low-interest rates. There...
Am I Liable for My Spouse’s Debt?
When it comes to deciding who is responsible for the debt in a marriage, it depends on your state laws. Each state has varying laws on debt and divorce, but generally speaking, states fall into two categories: community property or equitable distribution. Nine states...
