Debt

  • Will Making Payment Arrangements Stop Credit Reporting?

    In the case of consumers making payment arrangements to settle past due debts, do payment arrangements stop credit reporting automatically? As a general rule, the answer to this is “no, they don’t”. There are rules governing credit...
    By ciel s cantoria May 24, 2011 

  • Chapter 13 Bankruptcy and Community Property Laws

    Those who need to reorganize their debt may be considering a Chapter 13 bankruptcy. If an individual has filed for relief, the question may arise later if a filer can or should consider adding a non-filing spouse to a Chapter 13 bankruptcy. In some cases...
    By Finn Orfano May 18, 2011 

  • Handling a Tax Problem When You Can't Pay Your Tax Bill

    When the bottom line on your tax return shows a balance due, you have many options. You will need to make some careful decisions, though, in order to have some control over what happens if you owe the IRS and can't pay your tax bill.
    By Patricia Tokar, CPA May 14, 2011 


  • How to Begin to Negotiate Paying Off a Student Loan

    Student loans are typically entered into through a government backed loan organization. This can be a benefit or a downfall depending on the route that is taken. Keeping a loan out of default and working with the right organizations can turn a negative...
    By Angela Johnson May 13, 2011 

  • Can I Get Car Loans When I Have High Debt?

    Is it possible to get a car loan with a high debt to income ratio? What is a this ratio and how is it calculated? Jean Scheid, a Ford dealer, explains the facts and offers some advice on car loans if your ratio isn't where it should be.
    By Jean Scheid May 13, 2011 

  • How to Effectively Negotiate With Bill Collectors

    The key to effectively dealing with bill collectors is to educate yourself on your rights as a debtor and to know what bill collectors legally can and cannot do.
    By MsConnie May 9, 2011 


  • Do You Need a Good Credit History To Be Bonded?

    There are three bond types used for bonding employees and contractors. Each one has its own application requirements. In some cases, the job requiring the bond may not allow you to be bonded if you file bankruptcy, while other times it may be possible...
    By Finn Orfano April 10, 2011 

  • How Much Does It Cost to File Personal Bankruptcy - and Where Do You Get the Money?

    How much does it cost to file personal bankruptcy? It may feel ironic to have to pay for debt relief when you're in such dire financial straits, but in most cases you will indeed have to pay at least a couple of hundred dollars to file bankruptcy...
    By Stephanie Mojica March 15, 2011 

  • Can You Get A FHA Mortgage After Bankruptcy?

    For those considering applying for FHA mortgage after bankruptcy, there is good news. An FHA loan may be approved in as little as twenty-four months after a bankruptcy is discharged. There are conditions of course, but these low-cost, flexible loans can...
    By Finn Orfano February 28, 2011 

  • Unpaid Federal Student Loans and Garnished Wages - What You Should Know

    The laws as they apply to defaulted federal student loans and wage garnishment are clear. Students who default on these loans are subjected to a wage garnishment of up to 15% of their disposable income. There are very few instances where this garnishment...
    By Finn Orfano February 28, 2011 
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