Budget techniques

Budgeting Techniques to Prevent Financial Distress: Effective Strategies for Managing Personal Finances

German Yusufov June 21, 2024

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...

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Role of emergency funds preventing bankruptcy

The Role of Emergency Funds in Preventing Bankruptcy: A Financial Lifeline During Crises

German Yusufov June 17, 2024

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...

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Student

Student Loan Forgiveness Through The IDR Waiver

German Yusufov April 5, 2024

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,...

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Department of Education Fresh Start Program

The Department Of Education Fresh Start Program Is An Opportunity You Do Not Want To Miss

German Yusufov January 11, 2024

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...

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Ultimate Guide to Eliminating Student Loans

Ultimate Guide to Eliminating Student Loans: Forgiveness, Settlement and Discharge

German Yusufov September 3, 2023

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...

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How To Choose The Right Phoenix Or Mesa Bankruptcy Attorney YLF Bankruptcy

How To Choose The Right Phoenix Or Mesa Bankruptcy Attorney

German Yusufov February 9, 2023

If you are considering filing bankruptcy in Phoenix or Mesa, Arizona, you are likely already in a stressful situation, and the search for the right attorney to guide you through...

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All About Reaffirmation Agreements

All About Reaffirmation Agreements in Bankruptcy

German Yusufov June 8, 2022

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....

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Common Questions About Chapter 7 Bankruptcy

Common Questions About Chapter 7 Bankruptcy

German Yusufov December 9, 2021

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...

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Debt and Buyers

Junk Debt Buyer vs. Original Creditor: What Are the Differences and Why It Matters

German Yusufov August 30, 2021

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...

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How Many Times Can I File For Bankruptcy In Arizona YLF Bankruptcy

How Many Times Can I File for Bankruptcy in Arizona?

German Yusufov August 20, 2021

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...

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