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O'Bryan Blog

credit card churning explained
Saving, Investing, Retirement & Social Security

What is Credit Card Churning?

Credit card churning is the art of using a credit card company’s marketing efforts to your advantage. It is a risky practice, but many use lenders’ strategies to rack up

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Disposable Earnings
Saving, Investing, Retirement & Social Security

What are Disposable Earnings?

Many people are not aware that creditors have the right to seek a garnishment order against them if they fail to pay off their debt. Creditors may garnish directly from

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non-exempt assets in bankruptcy
Bankruptcy Chapter 7

Non-exempt assets in bankruptcy

Chapter 7 is the most common type of bankruptcy in Kentucky and throughout the country that involves liquidating assets to pay creditors. However, not all property or belongings can be

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retirement accounts in bankruptcy

Retirement Accounts in Bankruptcy

If you have worked hard and contributed to a retirement account over the years, you want to protect that asset. The good news is that generally, most retirement accounts and

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