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Monthly Archives: May 2013

Things Not To Do When Contemplating Bankruptcy

Before you file for bankruptcy, you should carefully plan with your attorney to steer clear of mistakes that could prove costly.  Here is a list of common mistakes that you should avoid: Trading unsecured debt for secured debt: Avoid paying off debt with money from a home equity loan or second mortgage. When you file […]

New Legislation Proposed to Discharge Private Student Loans in Bankruptcy

Millions of students enter college with high hopes of landing “the big job” after graduation.  Armed with good intentions and laden with student loan promissory notes, off they go into the world. Then, life happens and many graduates end up struggling mightily to repay their student loans. In addition to high unemployment rates and the […]

Credit Reporting Agencies: Rebuild Your Credit after Bankruptcy

Good credit isn’t everything, but it can highly influence your lifestyle options.  With good credit, banks and other lending agencies offer you liberal lines of credit at lower interest rates. If your credit is questionable, however, you could be denied financing altogether or pay exorbitant rates to get it. Several factors can negatively affect your […]

Life after Bankruptcy: Tips on How to Recover from Debt Overload

When your financial troubles force you to file for bankruptcy protection, you might have difficulty believing that you will ever recover. However, with a positive attitude, determination and family support you could be on the road to recovery sooner than you think. A change in your spending habits is an important step in your economic […]

Recognizing the Emotional Side of Filing Bankruptcy

Financial hard times can hit anyone and cause emotional stress. It doesn’t matter your position on the economic ladder.  People who have a high income as well as those with lower incomes may need to turn to bankruptcy to help resolve their debt problems.   Researchers recently released results from studies analyzing the emotional toll high […]