Are you aware that the homestead exemption for personal residences increased on January 1, 2021? Here is what you need to know: So, What is a Homestead Exemption? The homestead exemption will be applied when a creditor tries to enforce a judgment against a qualified residence. Typically, this does not apply to enforcing property taxes, [...]
Do you have social security debt? If so, are you wondering about how to get rid of that debt? If you have received a letter from the Social Security Administration (SSA) for collection of an overpayment, you be unsure what to do next. Is this debt dischargeable in bankruptcy? Social Security Debt in Bankruptcy The good [...]
Do you have an existing lawsuit? Whether you are being sued for a debt or fraud, you may be wondering if you are protected in your bankruptcy. What is an Automatic Stay? When you file for bankruptcy an automatic stay helps protect you from creditors. This is a court-ordered injunction. It prevents creditors from seeking legal [...]
Coming to the decision to file for bankruptcy can be a difficult decision. So, you want to be sure that you are taking the right steps before filing. A mistake in bankruptcy can make it difficult to achieve your fresh start. We want you to be in right place before filing. Below are a list of [...]
It can be incredibly difficult to care for a loved one with Dementia/Alzheimers or a disease that has rendered them unable to care for themselves. This is compounded when there is a large amount of debt tied to your loved one. Whether it is medical debt or something else, you may be wondering if it [...]
Are you concerned about what to do about a charged off debt? Maybe you saw a debt marked as charged off on your credit report. This does not necessarily mean that you do not owe the debt anymore, so be careful. You also should be aware of how a charge-off works if you are in [...]
A credit score is a number that shows how likely you are to repay your debts. A credit report shows the factors that led to your score (credit accounts, credit cards, loans, credit limits, account balances and payment history). Are you worried about your credit score after 2020? Well, we have some tips and information [...]
As this year comes to a close, we are taking time to reflect on the year’s successes and setbacks. This year has brought on incredible changes to our daily lives and our finances. Do you feel like this year has negatively impacted your finances and credit score? You are not alone! What Positive Changes Can [...]
Have you recently been served for a lawsuit for a debt you are unable to pay off? You may be worried that it is too late to do anything. Not true! Here are some things you can do: NEVER Ignore a Summons & Complaint If a lawsuit has been filed against you for a debt, [...]
We have discussed the importance of checking your credit score to make sure the information is correct. But, what happens if you find incorrect information? Inaccuracies on Your Credit Report A mistake on your credit report can be as simple as an incorrect spelling of your name or an incorrect address. But, you may find [...]
