Let's face it, your credit score is not as high as you would like it to be, and your credit history is not as white as the driven snow. Perhaps there is a reason for that. Years ago, you did not take the privilege of credit seriously enough and you have l...

Only a few years ago, Congress made multiple huge changes to the bankruptcy laws which impacted how bankruptcy would be filed, and even who is eligible. For example, no longer can you file bankruptcy just because you are tired of paying your bills, but wi...

If you have been keeping up on the latest news, it will come as no surprise to you that methods to prevent identity theft are being countered by clever thieves as quickly as the public is notified of them. You need to be aware that you are constantly a po...

Presumably you looked at all your possible alternatives and determined that bankruptcy was the only way to go. So now the papers have been filed, your slate has been wiped clean and you are ready to start over, this time not making the same mistakes you d...

Nobody looks forward to the possible necessity of filing for bankruptcy, but if you find yourself in that situation, you need to know how to select a good bankruptcy attorney so that you don't end up losing more than the bankruptcy will cause. One of the ...

Identity theft is a growing problem for millions of Americans. Over nine million people are affected by identity theft each year. If you are a victim, it can be life changing. However, there are a variety of things you can do to both prevent identity t...

If you are over your head in financial obligations, you need to consider some type of debt consolidation or payment reduction program. You hopefully know that you cannot continue to go deeper into debt and defaulting or missing payments every month. That ...

You don't want to think about debt consolidation. Sometimes debt can catch up with you before you even realize it has been chasing you for a long time. Most people do not intentionally dig themselves into a debt pit. But sometimes the financial obligatio...

Nobody wants or plans to file bankruptcy, especially with the recent drastic changes in the bankruptcy law which makes it more difficult or even impossible for people in certain situations to even consider filing bankruptcy. Bankruptcy is a personal thin...

In many cases, the fact that bankruptcy may be looming in one's future should be fairly obvious. The need to file bankruptcy or consider bankruptcy as an option rarely crops up overnight. If you are financially living on the edge, you may want to take ste...

Even with the new bankruptcy laws, filing for bankruptcy can provide some advantages, if done correctly in the right situations. Bankruptcy has historically been viewed as a financial mechanism where one can wipe the slate clean and start over, based on m...

When a consumer is considering bankruptcy, the usual way to file it is to use Chapter 7 bankruptcy but in some cases it makes more sense for the consumer to file under Chapter 13 bankruptcy law. All bankruptcies, regardless of which chapter is filed, are...

In the same manner that certain assets are typically not included as part of a consumer's chapter 7 or chapter 13 bankruptcy filing, there are also certain types of debt and financial obligations which cannot be discharged via bankruptcy. These types of d...

Is there a bright side to bankruptcy? Yes there is, although bankruptcy should still be considered your option of last resort, and the bankruptcy option only employed after you have thoroughly investigated all other options and alternatives. There are man...

When an individual consumer, not a business or corporation, is looking to file for bankruptcy, it is almost always most appropriate for them to either file under Chapter 7 bankruptcy law or Chapter 13 bankruptcy law. The majority of consumer bankruptcies...