The means test is a two-part evaluation related to a person's income that determines whether that person can file for Chapter 7 bankruptcy. The two-part test involves a comparison of the person's income to the state median. If the income is higher than that median,...
Month: September 2015
Should I pay off credit cards any way I can?
No debt is good, but getting to zero through any means possible isn't always a good idea. This is especially true when it comes to credit cards, as you can end up in greater debt or pay more in interest or fees if you take the wrong path.Bankrate talks about six ways...
Social Security benefits aren’t safe from all debt collectors
Many people try to enter retirement with as little debt as possible, but that isn't always a viable options. Sometimes, debts actually occur in retirement, especially when medical issues arise. For those who rely on Social Security as a source of income, whether or...
Preparing a script for dealing with debt collector calls
Seeking legal avenues for debt relief is one of the best ways to deal with debt collector calls, but while the system does its work, you might be dealing with constant calls. Letting calls go to voicemail is often a tactic people use, but when you pick up the phone to...
Understanding the relationship between bankruptcy and foreclosure
A complex relationship exists between bankruptcy and home ownership. Individuals can maintain ownership of home while going through bankruptcy. While it's definitely the emotional decision many want to make -- to hang onto homes -- it's not always the best legal or...
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