A wage garnishment can be a financially devastating issue. It stems from a debtor not being able to make good on a debt they owe and as a result the creditor pursues further action including lawsuits and wage garnishments. A wage garnishment is a legal directive that requires your employer to send a portion of [...]
There are various reasons why people are in debt. For most, it stems from a tendency to live beyond their meansWithout a proper budgeting system, you simply can not know how much cash you have to spend and therefore may tend to spend more than you can afford. But there are other reasons people stay [...]
As a consumer, you have certain rights according to the Fair Debt Collections Practice Act (FDCPA) when it comes to creditor collections. There are rules debt collectors and creditors must follow when attempting to collect debt balances from you. Essentially you do not have to tolerate harassment or threats from those trying to get money [...]
People these days are no strangers to debt. After the latest economic crisis, more people have been struggling to pay the bills and stay afloat in the world of personal finance. Personal debt has forced people to be frugal and take a serious look at their debts. Solutions for eliminating debt are being sought by [...]
Budgeting is not a once-and-done duty. In order for a budget to be successful, it needs to remain ever-revolving. As December quickly heads into a new year, it is the perfect time to review your budget and your savings goals. Getting passive about your budgeting system can also lead you to getting passive about your [...]
As we continue to work through our financial woes as a nation, it is prudent to realize that the recent recession strains have lessons each of us should take to heart. While the scare factor may still be high, living in financial anxiety will certainly not allow you to get ahead again so it is [...]
Years ago, filing bankruptcy carried a social stigma that many people avoided like the plague. It more recent times, people began to figure that bankruptcy is the easy way out of their debts. However, the reality of bankruptcy is highly disruptive not only to your present financial situation but also for your future one. Also, [...]
For many individuals in debt, bankruptcy is the last resource to help get out from under all-too-heavy financial burdens. In the past, bankruptcy was considered to be somewhat of an easy out but today there are much tougher bankruptcy laws and these changes make it more difficult to go through the process of bankruptcy unless [...]
We’ve experienced, or at least heard about, the endless stories of dealing with harassing debt collectors, trying to collect on debts and using rather low tactics to do so. While it is true that there are some debt collectors and collection agencies that can be over the top, it is also true that not all [...]
When you parents pass on, there are a lot of emotions to contend with on top of the pressing financial issues of your parent’s estate, particularly if there is not a will. One of the chief concerns of many children is paying off payday loans or the debts incurred by a parent. Many people fear [...]
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