Most people want to avoid bankruptcy if it’s at all possible. They worry about the damage to their credit score, losing property, and what others will think if they find out. It’s always wise to consider all the alternatives before taking a big step such as filing bankruptcy. Sometimes it’s not only the only solution but also the one […]
Not being able to keep up with your bills or having money for fun can be discouraging and even guilt-inducing. You may be embarrassed to have to decline invites for nights out or vacations and feel bad that your finances have gotten so out of control. When it comes to money, it’s important to put your emotions aside and […]
It can be incredibly stressful to realize you’re unable to keep up with your debt payments, and the stress is compounded when your creditors begin calling. These calls come at inconvenient times, which can be embarrassing. These debt collectors are simply doing their jobs, but sometimes their tactics can be quite aggressive and even cross the line into […]
Many brave Americans decide to give up their “day jobs” to start their own businesses each year. This could be a brick and mortar shop or they could work as independent consultants on their own or tied to a corporation. Start up costs and the return on investment varies, but some people are successful at self-employment from the […]
Struggling to make ends meet is a common experience for Americans. Some of us are even faced with hard choices such as paying bills on time or providing for the needs of our families. Knowing that you won’t ever be able to pay off your debt can be extremely stressful, and it can be difficult to decide how […]
Stay Positive in Bankruptcy When your debt begins to add up, it may seem like there’s no end in sight. It’s easy to become discouraged in these cases and can be troubling to see how anything will ever improve. Once you get to the point of choosing bankruptcy, it may seem like a failure; it’s easy to […]
Most Americans are pretty private about their finances, especially if things are not going well and they’re having trouble keeping up with debts. You may feel alone or even ashamed over the state of your finances, but bankruptcy is quite common and is often the solution to debt problems.
It’s easy to feel intimidated when you’re having financial troubles, dealing with creditors, and considering bankruptcy. This can be magnified if you’re unfamiliar with the bankruptcy process or the long-term consequences of filing. I can help clear up any misconceptions you may have about bankruptcy and how it will affect your finances and life. Then […]
Learn Who Plays a Role in Your Bankruptcy Case Most people don’t spend much time thinking about bankruptcy or other legal proceedings, but if you’re considering filing bankruptcy, you’ll want to familiarize yourself with the process and some basic terminology. This includes knowing the roles of all the key players in your case.
Is Bankruptcy Counseling Necessary? In the state of Oregon, you’ll need to gather the pertinent documents and complete the required forms, and you’ll also need to complete two online credit counseling classes and provide proof of completion to the court. While this may seem like one more task to deal with, these classes are […]