For many people who had difficulties making mortgage payments due to the pandemic, forbearance options were available. However, what happens to your home when forbearance ends and you still need help? My Mortgage Forbearance Ended, Now What? For most loans, your mortgage servicer will offer payment plans to cover the missed payments. However, some servicers may [...]
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Are you being contacted by a debt collector? Did you know that debt collectors are legally required to send you a letter validating what the debt is and how much you owe? Here's what you need to know about a debt validation letter: What Do I Do First? First, do not send any money to [...]
Considering bankruptcy or getting ready to file one? If so, you may not know how a reaffirmation agreement can help you. Deciding to sign a reaffirmation agreement is something that you should discuss with your attorney. However, you will need to know the pros and cons to signing a reaffirmation agreement. Here's what you need [...]
Are you ready to file for bankruptcy, but your spouse is against the idea? You are not alone. Bankruptcy can be a scary endeavor, especially if you or your spouse have misconceptions about the process and results. Here's what you need to know: Why Should You File Together? When a couple files together, they can [...]
Are you dealing with a large amount of medical debt? You are not alone! In fact, according to the Kaiser Family Foundation, 26% of American adults said that they or someone in their household was struggling with paying medical bills. Many of these people think taking out a loan or using credit cards will buy [...]
Have you received a notice of overpayment from the California Employment Development Department (EDD)? If so, it is important that you do not put off dealing with the EDD. Here's what you need to know: What Does the EDD Do? The EDD has many responsibilities, which include paying out Unemployment Insurance (UI), Disability Insurance (DI) [...]
Are you having difficulties paying rent due to COVID-19? Or, are you a landlord that has lost income due to COVID-19? You may be eligible for assistance! What You Need to Know The U.S. Department of the Treasury’s Emergency Rental Assistance (ERA) program provides a number of state and local programs that offer assistance. This [...]
Most federal student loans are not due for repayment due to extended coronavirus relief. However, this extension will be over in January 2022. Are you ready to resume your payments? Here's what you need to know: How to Get Ready For Resuming Your Student Loan Payments The Student Aid website offers 6 tips to help [...]
Are you concerned with the size of your parent(s)'s debt? It can be difficult for older people to keep on top of their finances on a fixed income. This is especially true if medical bills or credit card bills become too much to handle. If you are looking for ways to help your parent(s) deal with [...]
Living in California can place you at risk for different types of disasters. Whether it is wildfire damage, earthquakes, or flooding, it's important to know what to do after a disaster. Are you prepared for what comes next? Here's What You Need to Know You can receive taxpayer disaster relief in California after a disaster. [...]