Latest on the Bankruptcy Blog

If you have any past due accounts, you have experienced the torment of a creditor.  Harassing phone calls, notices marked with a scarlet stamp reading “Past Due” and threatening collection letters.  Many people are sinking further into debt and trying to make minimum payments to avoid defaulting on their accounts, while worrying about the next  … Read more

When filing for bankruptcy as a married couple, there are numerous factors to consider.  Bankruptcy laws and exemptions vary by state, and filing for bankruptcy together or separate could be affected by these differences.  There are different benefits when filing together or filing separately, and couples considering bankruptcy should contact a qualified bankruptcy attorney to  … Read more

Applying for a home mortgage loan can be a daunting task. There are many forms to complete, none of which are written in a way that is easily understood. It has become apparent that most people have no idea what the specifics behind their mortgage loan entail. The Consumer Financial Protection Bureau has begun an  … Read more

In 2010, interest rates for mortgage loans hit a record low. Since then, we have seen the rates hover around some of the lowest rates in 50 years.  For the past five weeks, interest rates have been dropping and have hit the lowest of the 2011 calendar year. These rates have nudged hesitant Americans back  … Read more

Small businesses aren’t the only ones hurting in this fragile economy. Non-profit organizations have been feeling the pressure increase over the past few years. In 2008, charitable donations began to fall about 3% each year, a significant amount in an industry whose consumers have very little resources.  Food pantries and clothing donation stores have been  … Read more

The cultivation of plants and animals dates back to the time of our earliest civilization. Farming has been an essential practice in the development and maintenance of civilization. The industrialization of America revolutionized the farming industry with the invention of mechanical equipment, making farming a highly profitable industry.  The American farming industry has slowed significantly  … Read more

Sixty-five percent of college students are finding themselves deeply in debt by the time they graduate with a four year degree. More graduate students pursuing higher education degrees are also finding themselves having to borrow money to pay for tuition and education expenses. Graduates are drowning in $50,000 or more of student loan debt, and  … Read more

Selling your used car at a dealership has always been a negotiation nightmare. Rarely, would a dealership buy your used car for a fair value, and forget getting anything close to the value listed in Kelly Blue Book. Dealerships are always trying to make money and, to do that, they must pay bottom dollar for  … Read more

  We often hear new stories about someone becoming a victim of identity theft and the importance of keeping vigilant against this terrible crime. To prevent us from having our identify stolen, credit reporting agencies suggest checking your credit report often to monitor any changes in your credit activity. Companies offer shredding services to help  … Read more

Netflix and local cable’s Video On-Demand movie services have become increasingly popular over recent years, as they allow consumers to watch movies without leaving home.  These in-home movie services, have given Blockbuster movie stores a run for their money the past few years. Blockbuster was recently sold to Dish Network in a bankruptcy auction for  … Read more