Use Your Tax Refund for Debt Relief

The Christmas Hangover: Breaking the Cycle of Debt You gave the best gifts, threw the most memorable parties, and enjoyed the holiday season to the fullest. But now, the bills have arrived. While the memories were worth it, the financial “hangover” is...

Can I File Bankruptcy Without Hurting My Co-Signer

Can I File Bankruptcy Without Hurting My Co-Signer? You are drowning in debt, but a friend or relative co-signed on your car or other asset. Now what? You could likely pay this specific debt if you didn’t have all your other credit card and medical bills...

Bankruptcy vs. Debt Consolidation: Know the Difference!

Bankruptcy vs. Debt Consolidation: Know the Difference! So, the late-night ads are luring you in, and you really don’t want to use the “bankruptcy tool,” but how do you know which option is best for you? The Risks of Debt Consolidation Services Debt...

The Pros and Cons of Filing for Chapter 13 Bankruptcy

Pros: Can protect your house and car if you are behind on the payments. It gives you up to 5 years to pay the arrearage while maintaining current payments Can address some divorce obligations such as payment of a property settlement. Can pay priority obligations like...