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Tag Archives: debt relief

Don’t Let Old Habits Pull You Back into Bankruptcy

Those who don’t learn from the mistakes of the past are doomed to repeat them. So if you have recently emerged from bankruptcy, it is important to take a long hard look at what got you there and resolve to avoid making the same mistakes again. While some people end up in bankruptcy due to […]

Good Money after Bad — Using Retirement Funds to Save an Underwater House

Buying a home is one of the proudest days in most people’s lives. Letting go of that home when things get tough can be a very difficult thing to do. But when the housing market dropped and the value of many homes plummeted, many people in the United States found themselves trapped in mortgages that […]

Track Your Spending to Avoid Unmanageable Debt

We’ve talked before how it is often the small everyday expenses adding up over a period of time that contribute most of the debt problems many American households face. Of course major expenses like mortgage payments, car payments and utility bills contribute as well. But getting swamped by small recurring expenses is an easy trap […]

Choosing a Legitimate Credit Counseling Agency

Since the changes to the bankruptcy code in 2005, credit counseling has been mandatory for every individual who petitions for bankruptcy — whether under Chapter 7, Chapter 11 or Chapter 13. Petitioners must undergo approved credit counseling within the 180 days prior to filing a petition for bankruptcy relief. This requirement is meant to reduce […]

Avoid Bankruptcy by Avoiding Debt

For most people facing bankruptcy, building up debt was an incremental process that came about after years of borrowing and spending. Even small, everyday transactions add up over time. And just the interest on these small transactions can come to thousands of dollars per year without you even realizing it. So the first tip for […]