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You’re probably already past the well-intentioned warnings from experts about bankruptcy. “Don’t do it unless you have to.” “It’ll hurt at least as much as it helps.” “Make it the…
Upcoming Events Debt consolidation is a sensible solution for consumers overwhelmed by credit card debt. It can be done with or without a loan. Consolidation cuts costs by lowering the…
Americans are drowning in debt. If you want to know why, return to 1812. “We have met the enemy, and he is us.” That’s what Commodore Oliver Hazard Perry said…
When it comes to paying credit card bills, millions of Americans are just scraping by. They make only the minimum monthly payment, and that’s often a stretch. The good news…
Credit cards are wonderful inventions. They make purchasing anything convenient and nearly fraud-proof. They’re portable and online-friendly. Many offer rewards or cash back. When used properly, they help consumers build…
If your monthly credit card payments are choking your budget, you’re not alone. Almost half (48%) the credit card users in the U.S. carry a balance from one month to…
The two biggest reasons companies will deny you a credit card are low credit scores and poor credit history. Other reasons for credit card denial include low income and too…
Making the minimum payment on credit cards might seem like a friendly option in a month when money is short, but don’t mistake it for safely treading water. Yes, making…
You’re at the store. You’ve found the perfect purchase. It’s pricy, but so what? You’ve got plastic to pay for it, plastic that’s been burning a hole in your wallet/purse/pocket.…
Few feelings are more helpless than trying to dig your way out of debt when you’re barely making ends meet — and you’re just one car repair emergency from disaster.…
Sources:
- N.A. (ND) Chapter 7 – Bankruptcy Basics. Retrieved from https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-7-bankruptcy-basics
- N.A. (ND) Chapter 13 – Bankruptcy Basics. Retrieved from https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-13-bankruptcy-basics
- O’Neill, C. (2024, January 29) Can I Keep a Credit Card In My Chapter 7 Bankruptcy? Retrieved from https://www.nolo.com/legal-encyclopedia/can-i-keep-credit-card-in-my-chapter-7-bankruptcy.html
- N.A. (ND) The Credit Handbook – Considering Bankruptcy. Retrieved from https://www.ag.state.mn.us/consumer/handbooks/CreditHnbk/CH6.asp
- Rao, J. (2025, March 14) April 1 Increase of Federal Bankruptcy Exemptions, Other Dollar Amounts. Retrieved from https://library.nclc.org/article/april-1-increase-federal-bankruptcy-exemptions-other-dollar-amounts-0
- N.A. (ND) Comparing Credit, Charge, Secured Credit, Debit, or Prepaid Cards. Retrieved from https://consumer.ftc.gov/articles/comparing-credit-charge-secured-credit-debit-or-prepaid-cards
- N.A. (ND) Filing Without an Attorney. Retrieved from https://www.uscourts.gov/court-programs/bankruptcy/filing-without-attorney
- Leicht, A. (2024, May 3) Bankruptcy vs. debt settlement: How to choose the right debt relief option. Retrieved from https://www.cbsnews.com/news/bankruptcy-vs-debt-settlement-how-to-choose-the-right-debt-relief-option/