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Posts tagged "bankruptcy proceeding"

Are you dealing with a fake debt collector?

When it comes to financial collections, things are not always what they seem. All too often, consumers in Washington suffer at the hands of debt collection scams, some of which may lead to very real financial consequences, especially for those near bankruptcy. Although a variety of creditor protection measures exist during the collections process, borrowers also have rights. Today, we help you determine whether you are dealing with a legitimate -- or ethical -- collections representative. Make sure that you are talking to an actual collections agent before handing over any money, especially during a bankruptcy proceeding.

Social Security can be subject to wage garnishment

Many Washington residents who receive Social Security benefits may be wondering whether those financial resources can be spared from collections during a debt relief proceeding. Although it would be great to be able to provide a clear-cut answer, the fact remains that certain Social Security benefits could be fair game for wage garnishment, depending on the type of benefits and the type of debts in question. The difference in this case between Social Security Income, Social Security retirement benefits and Social Security Disability Insurance is absolutely critical to understanding your creditor protection.

Medical debt could be affected by transparency requirements

Medical costs can play a significant role in Washington residents' bankruptcy proceedings. With the implementation of the Affordable Care Act, many may be expecting that situation to change, but experts say that cost-transparency failures could still lead Washingtonians into medical debt. Hospitals and medical facilities rarely share the true costs of their services up-front, which deceives consumers and prevents them from getting the best deal. Now, some state lawmakers are pushing for change that would lead to better consumer protection.

Prior to bankruptcy, there was debtors' prison - now it's back

It used to be that financially insolvent individuals were put into "debtors' prison" when they could not pay their bills. Luckily, that archaic system has gone by the wayside in favor of the more humane and dignified American bankruptcy program. Now, though, critics are decrying the actions of many states as de facto "debtors' prisons," where individuals are held until they can pay overdue court fines and fees.

Dishonesty over debt leads to bankruptcy rejection

For most people filing personal and business bankruptcy, a general court proceeding is all they need to discharge years of damaging debt and begin rebuilding their credit. In some cases, though, debt is not so easily excused, especially if the filer is accused of criminal financial acts. One Illinois man is facing a bleak situation after his bankruptcy was effectively negated to promote creditor protection in his case.

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