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Bankruptcy Alternatives

Rebuilding Credit: Beware Certain Types of Credit Cards

Post-bankruptcy the main concern is rebuilding credit that was unavoidably affected by your bankruptcy. When you file, the bankruptcy is a public record and will be listed as such on your credit reports from all of the major credit reporting companies. It stays on the report for years and there’s nothing that can be done …

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Bankruptcy Eligibility: Do I Make Too Much Money?

If you are worried about whether or not you make too much money to file for bankruptcy, you should make an appointment to discuss it in detail with an experienced California bankruptcy attorney. There are some guidelines that you can consider in order to get an idea of whether or not your situation would qualify, …

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The 4th Step in Becoming Debt Free in 2015: Your Time on Stage

Once your bankruptcy case is filed, you’ll be surprised how quickly and smoothly the process moves along. Remember that millions have filed bankruptcy before you and the process has been fine tuned into a streamlined process. Tens of thousands of bankruptcy cases are handled per month in each state across the nation. I approach bankruptcy …

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The First Step in Becoming Debt Free is to Find a Bankruptcy Lawyer

Far too many New Year’s resolutions are related to improving the financial situation. If you find yourself making the same resolution to get out of debt year after year with little to no change in your total amount of debt, it’s time to approach it more practically. The first step in becoming debt free is …

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Should Congress Rescind the Bankruptcy Provision Blocking the Discharge of Student Loans?

So many student borrowers are in default on their loans that many are beginning to demand why. What is it that is driving so many student borrowers to default on their debt? Students who pay for college with federal student loans can avoid default. If their situation is such that they are unable to make …

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Bankruptcy: Is That My Only Option or Are There Bankruptcy Alternatives?

Bankruptcy isn’t always the best answer in a financial crisis. When filing for bankruptcy, it could be necessary to risk non-exempt assets, certain debts may not be eligible for discharge, and in some cases individuals or couples may not even be eligible to file for bankruptcy. To ensure that bankruptcy is the best option for …

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Is There a Difference Between Credit Counseling and Debtor Education?

When filing for an individual bankruptcy, you need to complete credit counseling and debtor education. The two are distinct and fulfill different purposes. Some question the need for both and may even find themselves confused. What is the difference between credit counseling and debtor education? The most obvious difference is that credit counseling is completed …

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