Comenity Credit Cards Can Be Settled For Less
Comenity Bank is mostly known for servicing credit cards for stores and other outlets, not for their own branded cards, or retail bank locations. As you will see from the list below, they are the bank...
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Coping with Freedom Plus Loans When You Cannot Keep Up Payments
Freedom Plus loans can range from about ten to forty thousand dollars. The interest rates can vary depending on your qualifications when you get approved for the loan. This can make for hefty monthly...
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Credit Reports and Scores – How Debt Resolution Programs Hurt Both
A common concern you may have when searching for the best way to get out of overwhelming debt is what can happen to your credit score. What follows will help you understand credit score impacts that...
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Pros and Cons of Chapter 13 Bankruptcy
If you make more than your state’s median income and are looking to clear away high, unsustainable debts through bankruptcy, and you have too much disposable income to qualify for a Chapter 7...
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Pros and cons of Chapter 7 Bankruptcy
If your debts are unsustainable, and you have few assets, you may wish to clean the slate by filing for a Chapter 7 bankruptcy. Even those of us with assets we want to keep, such as your home or car,...
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Debt is a Bully with a Big Stick
If you’ve already read my first article, 5 Steps to Get Out of Financial Purgatory, you know that we’ve reached step #3 on the list. And, although, I am definitely not an expert on getting out of debt,...
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How to find and interview the bankruptcy attorney you will hire.
Not all bankruptcy attorneys are created equal. That is not shocking. The same could be said about finding help in any profession or job that requires expertise and training. That said, finding the...
View ArticleHow your credit card bills and credit reports can impact your spouse.
I talked to you about 30 Days ago and you were very helpful. I have a couple more questions. How does my personal credit card debt affect my wife? If I have credit cards in my name and business does...
View ArticleMy chapter 13 bankrutpcy was dismissed. How does this impact credit card debt?
Dear Michael, I have not paid my cc since 12/2012. Unfortunately I hired a crook of an attorney who said he could file a chapter 11 to save my house and refinance from $240,000 to $114,000. I did not...
View ArticleWhy banks and debt collectors seem not to care when you threaten to file...
I am 180 days past due with Capital One, and trying to work out a settlement, but they have not offered anything lower than the full principal balance. How long does it usually take for them to come...
View ArticleWill Chapter 13 bankruptcy reduce consent judgment payment?
With a consent judgment, does the original creditor have to accept a negotiated amount if I file Chapter 13? I was making payments but I defaulted and the consent judgment said they could pursue any...
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Best Debt Relief Solution Options – An Overview
Because the options available to eliminate problem credit card debt are limited, I often find it more productive to use a process of elimination to help determine what would be the best debt solution....
View ArticleChapter 13 Bankrutpcy or Settling Credit Card Debt – A Comparison
We have $215,000 in unsecured credit card debt. $88,000 of that, I'm current on and still paying. That consist of 1 Bank of America and 3 American Express credit cards. The remaining $127,000 is made...
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Pros and Cons of Chapter 13 Bankruptcy
If you make more than your state’s median income and are looking to clear away high, unsustainable debts through bankruptcy, and you have too much disposable income to qualify for a Chapter 7...
View ArticleClik here to view.
Pros and cons of Chapter 7 Bankruptcy
If your debts are unsustainable, and you have few assets, you may wish to clean the slate by filing for a Chapter 7 bankruptcy. Even those of us with assets we want to keep, such as your home or car,...
View ArticleSettle Debt, Close My Bank Accounts, or File Bankruptcy?
I had a default judgement entered against me by Capital One in 2009. I never received anything in the mail notifying me of a court date. However, I lived in an apartment complex and frequently received...
View ArticleGetting Rid of Credit Card Debts but Keeping Home and Cars With Bankruptcy
I have 4 credit cards in my name only, that my husband and I can no longer afford to pay. We are only 30 days behind in payments, so only phone call attempts made, so far. 2 cards are Capitol One, 1...
View ArticleChapter 13 Bankrutpcy or Settling Credit Card Debt – A Comparison
We have $215,000 in unsecured credit card debt. $88,000 of that, I'm current on and still paying. That consist of 1 Bank of America and 3 American Express credit cards. The remaining $127,000 is made...
View ArticleOptions to Reduce Credit Card Debt.
My husband and I have about 40K in unsecured debt and he got laid off from his job in June. I am still employed but month to month things are really tight. I always make sure that our mortgage and...
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Debt is a Bully with a Big Stick
If you’ve already read my first article, 5 Steps to Get Out of Financial Purgatory, you know that we’ve reached step #3 on the list. And, although, I am definitely not an expert on getting out of debt,...
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