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How to Stop a Wage Garnishment

Individuals who are delinquent on paying their debts run the risk of having their wages garnished. In short, a wage garnishment is a court order that instructs an employer to withhold part of an employee’s wages and pay that amount directly [...]
Woman looking at letter with concerned expression.

Can I be discriminated against for filing bankruptcy?

Filing for bankruptcy can have long lasting consequences, not the least of which is that it will cause damage to your creditworthiness, making it harder for you to borrow money. At times, some individuals may also find that they are being discriminated [...]
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Top Five Reasons for Filing Personal Bankruptcy

Although the number of personal bankruptcy filings in the U.S. has declined, many individuals continue to face insurmountable debt. Let’s take a look at some of the reasons that lead people to file for bankruptcy. Medical Expenses A number [...]
Woman in a cafe having problems with her credit card  ++++ NOTE for the inspector: Credit card is fake and is made especially for the photosession ++++

What is a Debt Management Plan?

If you are having trouble keeping up with your debts, an alternative to filing for bankruptcy is a debt management plan. In this arrangement, you make payments to a credit counseling agency which then pays creditors on your behalf according [...]
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Five Common Bankruptcy Myths

For those who are facing insurmountable debts, filing for Chapter 7 or Chapter 13 bankruptcy may be the only option. However, there are many misconceptions about the process. Let’s take a look at five common bankruptcy myths. You Will [...]

Condsidering Bankruptcy? Know The Differences Between A Chapter 7 And a Chapter 13

Are you considering bankruptcy, but aren’t sure which type of bankruptcy is right for you? Personal bankruptcies are either a Chapter 13 or a Chapter 7. There are significant differences between these programs, but when the bankruptcy [...]
A man and woman overwhelmed with past-due bills and debt.

What is Pre-bankruptcy Credit Counseling?

Today, individuals who are seeking relief under Chapter 7 or Chapter 13 of the Bankruptcy Code are required to complete credit counseling with an agency approved by the U.S. Trustee’s office. The purpose of pre-bankruptcy credit counseling [...]

Enrongate or Dead End Run?

Seems the more I read the less Enron is political. Obviously Mr. Gephardt is reading something other than the normal media reports since Tuesday night he flatly stated; “If the Nation’s largest bankruptcy coupled with a clear example [...]