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

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

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

BEHIND IN HOMEOWNERS ASSOCIATION FEES? YOU CAN FACE FORECLOSURE!

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Considering COVID19 and its detrimental effects on individuals’ finances and livelihoods, many states and jurisdictions have ordered temporary freezes on residential foreclosures and evictions.  In addition, courts have been closed to the public postponing many (if not all) court hearings and legal matters overall.  Orders generally state that foreclosure actions can not be initiated due … Continued

AM I ELIGIBLE TO FILE A CHAPTER 7?

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Even if you think you have a lot of debt, you may not be eligible to file a Chapter 7 and walk away from it. WHAT IS THE MEANS TEST? To file a Chapter 7 bankruptcy, your household income over the last six calendar months cannot exceed the median income for a household the size … 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