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Chapter 7 and the means test 101

Many people do not realize how crippling debt can be until they find themselves dodging phone calls from creditors and ignoring electronic and snail mail demand notices. There is even a misconception that individuals who cannot pay their financial obligations are...

Credit card debt can become an inescapable trap

Many Michigan residents fall into inescapable debt when they use their credit cards to cover basic expenses after suffering a financial setback. According to the U.S. Federal Reserve, revolving debt in the United States increased by 1.5 percent to $1.037 trillion in...

Ways to defend against a criminal charge

There are many ways in which Michigan residents can choose to defend themselves against a criminal charge. In some cases, it can be best to tell the truth and hope that the jury is sympathetic to that person's story. Of course, it is generally not in an individual's...

Overdue child support and getting a home loan

Parents in Michigan who are delinquent in paying child support may find it difficult to obtain a loan to purchase a home. Delinquent child support is classified as a derogatory credit event and can lower the likelihood of getting approved for a loan. However, there...

Debt settlement has costs

For Michigan consumers who are struggling to pay their credit card debts, it can feel impossible to catch up. In some cases, the balances outstanding are simply too high to pay down, and the cardholder might want to pursue debt settlement. Settling credit card debts...

Gray divorce more common, can cause health problems

Divorce has been linked to depression and stress that can exacerbate existing health conditions and increase the risk of other problems for seniors. People in Texas who are approaching or going through a divorce later in life should keep the increased likelihood of...

The positives of getting a prenup

A prenuptial agreement, or prenup, is a legal document that individuals can use to specify how their assets will be handled should they get a divorce. Couples in Pennsylvania who are thinking about getting married should carefully consider how prenups could protect...

Credit card debt forgiveness is rarely a panacea

Credit card debt forgiveness may seem like an attractive option to Michigan residents who are struggling financially, but they may find that pursuing this course of action is futile because debt collectors expect a sizeable upfront payment before agreeing to forgive...

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