Managing personal finances effectively is crucial for preventing financial distress and avoiding the negative impacts of uncontrolled debt. Here are some budgeting techniques you can utilize to take control of your finances. While all these techniques in concert would provide the best results, even using only one or two would likely provide a noticeable benefit. […]
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When it comes to managing your finances, an emergency fund can be an important safeguard against financial crises. Building and maintaining an emergency fund can provide stability and allow you to get through difficult financial periods without getting into unmanageable debt. We will discuss both the specific benefits of an emergency fund and how to […]
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The Department of Education recently launched the IDR Waiver, a program enabling federal student loan borrowers to receive credit toward loan forgiveness. If you’ve been repaying your federal student loans for over 20 years, your remaining balance will be automatically forgiven on or after July 1, 2024. For graduate school borrowers or parents of students, the forgiveness period extends to 25 […]
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If you are one of the approximately 7.5 million federal student loan borrowers with defaulted loans, you will want to take full advantage of the Fresh Start Program being offered by the Department of Education. If properly utilized, this program will allow you to rehabilitate your loans, get them back on a regular payment schedule, […]
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Student loans are the second largest portion of all consumer debt in the United States, behind only mortgages. But, because of the special legal protections granted to student loans, they are notoriously difficult to reduce or eliminate, unlike almost any other type of debt. Still, even though student loans are more difficult to deal with […]
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You should never choose an attorney based solely on the information you find online, including online reviews. First, you can never be certain how accurate the information is. Second, when it comes to attorney review sites, the ratings can often be manipulated, or are based on factors that have nothing to do with the attorney’s skill and experience.
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Today I want to talk about reaffirmation agreements because it is a topic that is likely to come up if you are researching your bankruptcy options, and can be confusing. What Is A Reaffirmation Agreement? A reaffirmation agreement is a type of agreement that is unique to bankruptcy. In fact, reaffirmation agreements are generally only […]
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These are answers to some of the most frequent questions I hear from my Tucson and Mesa clients considering Chapter 7 bankruptcy. For a general overview of the Chapter 7 process, see our Chapter 7 Overview page. 1. What is a Chapter 7 bankruptcy? A Chapter 7 bankruptcy is a legal process by which you can eliminate […]
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If you are being sued for a debt, such as a credit card, personal loan, or a medical bill, one of the most important factors in determining how you should defend the lawsuit is whether or not you are being sued by the original creditor or a junk debt buyer. This article explains the differences […]
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There is a lot of misinformation out there about whether a person can file multiple bankruptcies, and when successive bankruptcies can be filed in relation to each other. Some people even have the mistaken belief that they cannot file more than one bankruptcy in a lifetime. The truth is that there are normally no limits […]
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