3 Things You Can Do to Snag a Lower Mortgage Rate:

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Mortgage rates are sitting near historic lows, which means if you sign up for a home loan today, you might spend less money on interest than you normally would. Here’s how to lock in as low a rate as possible on a home loan. Have a high credit score -Your credit score speaks to how reliable … Continued

4 Questions to Ask Before Filing for Bankruptcy

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It is important that you ask the right questions prior to filing bankruptcy. Below are important questions you should ask when considering whether to file. SHOULD I FILE BANKRUPTCY? Only you can answer this common question. While an attorney can explain the pros and cons of filing a bankruptcy and tell you which way they … Continued

Dealing with Credit Card Debt during Covid 19

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Over 110 million Americans have credit card debt with past due balances. As if Covid19 has not been stressful enough, the weight of this extra debt with either a loss in income or an uncertainty about future income can be overwhelming. While bankruptcy can help with that by potentially wiping it out, here are some … Continued

What Is a Federal Tax Lien?

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Filing federal tax forms is one of those annual events that most people view as a hassle and not everyone can afford the taxes they owe, particularly in the era of the Covid pandemic. In fact, the back taxes owed by US taxpayers exceeds $130 billion dollars. Collecting on the back taxes is part of … Continued

The Worst Estate Plan – No Plan at All

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The first step in creating a proper plan is to thoroughly understand the potential consequences of going without one. In the event of your death or incapacity, not having a plan could be incredibly traumatic and costly for your family, who will be left to deal with the mess you’ve left behind. While each estate … Continued

How Does My Marital Status affect my Estate Plan

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1) Do I need to update my estate plan when I get married? Marriage not only changes your relationship status, it changes your legal status. Regardless of whether it’s your first marriage or fifth, you must take the proper steps to ensure your plan properly reflects your current wishes and needs. Mapping out a plan … Continued

How will I know when I need to file bankruptcy?

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You will know it is time to file bankruptcy when you are overwhelmed by debt and unable to reduce your debts at a reasonable pace. You may have lawsuits filed against you, and garnishments against your wages, tax refunds, and even bank accounts. Your assets may be threatened with seizure. You may have a lien … Continued

Will bankruptcy give me a sigh of relief?

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As soon as you file for bankruptcy, you will breathe a sigh of relief. Why? Creditors will stop calling you. The mailbox will not be overflowing with collection notices. Wage garnishments will stop, giving you more money in your paycheck. Bank levies will be released allowing access to your accounts. But what about my Credit … Continued

Maintain your Business Records

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It is the dread of almost every business owner – keeping their business records in order. Yet it is a necessity. What do you really need an a second’s notice that should be in a separate folder: Your organizational records: Your articles of incorporation is you are incorporated, your entity registration, your EIN number, your … Continued