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
A default might leave a stain on your credit record, making it difficult to get credit in the future. While you wait for the default to clear, you still have
You may be able to change your Chapter 13 bankruptcy case to a Chapter 7 if you can no longer afford to make your Chapter 13 bankruptcy payments. You can
Those struggling with debt often file for Chapter 7 bankruptcy. When they make this decision, they must fill out and complete a bankruptcy means form test. This test determines whether
For many, filing for Chapter 7 bankruptcy is a necessary step to take in order to get back on their feet. In Kentucky, many people use a homestead exemption in
Dealing with credit card debt is difficult enough already. However, phone calls from collection agencies and creditors greatly add to the stress for many people. Sometimes, those collectors try to
Debt collectors use wage garnishment as a way to take back the money you owe them. They take the money directly from your paycheck, which can put a great deal
Payday loans seem like an appealing option when you’re struggling to pay your bills and falling behind on monthly payments. Payday lenders that work with Chapter 13 (also known as
A motion for relief from stay, sometimes called a motion to lift stay, is a formal request a creditor makes during a bankruptcy case. By filing this motion, the creditor
Yes, filing for bankruptcy can immediately stop most civil lawsuits through automatic stay protection. The moment you file your bankruptcy petition, federal law requires creditors to halt all collection activities,
Credit card companies sue for non-payment in a relatively small percentage of cases — reports from the Consumer Financial Protection Bureau (CFPB) suggest about 15% of consumers contacted about overdue
Credit reports are extremely important for finances. They are more or less statements with information about your personal credit history, as well as your current situation, payment history, and account
Let’s say you’ve just checked the mail and found a form from a creditor that you don’t recognize. You open up the envelope and discover that it’s a 1099-c tax
If you Google the definition for the word “bankruptcy,” the word “insolvency” appears as one of its synonyms — and vice versa. It is true that the definitions of insolvency
The bank account of a person is the first thing that creditors will be looking to seize when they have a judgment against them. However, if those funds came from
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