Understanding when to pursue Chapter 7 bankruptcy can feel overwhelming, especially when bills pile up faster than you can keep up. While Chapter 7 offers powerful relief, it’s not the right fit for everyone. Knowing how it works—and whether it aligns with your financial circumstances—can help you make a confident, informed decision about your next…
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How to Handle Debt After a Job Loss: Smart Strategies to Protect Your Financial Future
Facing unemployment or a significant wage reduction can feel overwhelming, especially when debt begins to pile up. The sudden loss of income can make everyday obligations—mortgage payments, credit card bills, and household expenses—difficult to manage. With the right strategy and resources, however, you can protect your financial stability and work toward recovery. This guide explains…
Foreclosure Rates Skyrocket To Pre-Pandemic Levels
Foreclosure filings low record During the pandemic, foreclosure filings saw their lowest numbers in more than a decade. This record low, caused by new federal COVID-19 relief procedures regarding foreclosures and mortgages, came at a critical time for many Americans struggling to make ends meet during the pandemic. However, many of these relief procedures are…
Scammers are getting smarter, here’s how you can avoid them
Scammers are on the rise again In 2021, scammers placed 4.1 billion robocalls every single month, or 1,500 calls every second, with the intention of stealing money from the unsuspecting people who pick up their phone. The amount of emails and texts sent out by scammers is growing at an alarming rate, too. These kinds…
Buying a Car on a Budget
In modern America, it’s almost impossible to live without a car. You need one to get to work, go to the doctor, take the kids to school, and run errands. And, in rural parts of the country, the alternatives are not great – public transit isn’t always available, and getting an Uber or taxi is…