Month: October 2018

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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...