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4 common bankruptcy myths debunked

Being in debt is not pleasant, especially if you have suffered through countless sleepless nights because of it. It is not easy trying to figure out which bills you can put off this month so you can pay your mortgage. You might also feel worried about your vehicle being repossessed. Bankruptcy is not suitable for everyone; however, it could be the solution to your financial troubles. 

3 ways to get out of crushing debt in New York

If you have accumulated a significant amount of debt and are unable to repay your creditors, this situation is likely causing you a tremendous amount of stress. Most people do not take out loans or credit card debt with the intention of not being able to pay, but sometimes in life situations occur that make it impossible to meet debt obligations.

How filing for bankruptcy affects your debt

Bankruptcy is a viable option for many people who are drowning in different types of debt. Whether it is credit card debt, medical debt, or an inability to keep up with other loans such as car payments or a mortgage, bankruptcy filings affect different types of debt in different ways.

What to do if you are feeling the bankruptcy blues

If you have recently gone through a Chapter 7 or Chapter 13 bankruptcy, you know that there is a whirlwind of emotions that comes with the process. You might feel a sense of relief that it is finally over, as well as hope for your financial future. However, you and other New Yorkers who have gone through financial struggles may be feeling mostly negative emotions.

How to bounce back from credit card debt after the holidays

The holidays are a time of year for fun and festivity, but it is also a time when Americans take on a lot of credit card debt when compared to other times of the year. The average American took on just over $1,000 of debt during the holidays in 2016, which was an increase from $986 on average in 2015. 

Take what creditors say with a grain of salt

If you have been struggling with debt, chances are that creditors have come calling in hopes of getting their money back. Of course, laws on both the federal and state level limit what they can do. For example, the federal Fair Debt Collection Practices Act does not enable collectors to threaten violence or arrest or to call you between 9 p.m. and 8 a.m. State law builds on these protections, saying that creditors cannot tell your employer about why you are in debt, among other matters.

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