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Financial literacy is having an adequate level of knowledge about personal finance (such as saving, budgeting, credit management, investing, taxes, insurance and more) so that you can make informed and effective decisions with your money. Being financially literate means that you have a grasp of the fundamentals of smart spending and saving decisions and that … Continued
A Consumer Reports study found that many consumer credit reports contain inaccuracies. This can lead to problems with loans and higher interest rates. If you find a problem with yours, what should you do? First, file a dispute with each credit bureau Experian, Equifax, and TransUnion. Go straight to the credit bureau, not to your … Continued
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
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
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
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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
The Coronavirus pandemic and home quarantine has been a long haul. With businesses reopening, people are going back to work, and the economy improving, Americans are slowly getting back to normal life. This inspires confidence in many however there is a dark side to this progress in that ALL businesses and operations will soon be … Continued
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
As we struggle through this pandemic, many of us have gotten a break. Foreclosures have been delayed, evictions have been delayed, lawsuits have been delayed, and credit card companies have offered to let you skip your payment. Unfortunately all that does is buy you a little time. Interest is still being added and someday whether … Continued