Category: Clearwater
Advice Negotiating With Credit Card Companies From A Bankruptcy Attorney
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Did you know that the average credit card balance in the U.S. is over $5,000? It’s no wonder why many individuals seek advice from a bankruptcy attorney to help them manage their finances. If you’re in a similar situation, negotiating with your charge card company is one way to get ahead. It’s important to know…
Strategies To Manage Financial Stress
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In today’s world, money is important, and many people in Clearwater and beyond are stressed about their finances. In fact, around the world, money and financial resources are some of the common reasons for high-stress levels. It can often feel like an unhealthy bank account naturally creates other health problems, such as anxiety, depression, and…
A Guide To Filing Bankruptcy In Florida
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Dealing with financial challenges is a part of life. However, if you’re struggling financially, you should know that you aren’t alone. Filing bankruptcy because you’ve lost your job, suffered a catastrophic illness, or had another major life event shouldn’t be embarrassing. While it can be confusing and overwhelming, here are some of the basic things…
How To Manage Your Mental Health When Filing Bankruptcy
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While money can’t buy happiness, it can make you feel sad, embarrassed, fearful, and stressed. These emotions may cause you to put off filing bankruptcy, but instead of letting your emotions stop you, remind them that this is a financial strategy that’ll give you a fresh start. Albeit, it’ll take time, and you’ll need to…
Will My Employer Find Out If I File For Bankruptcy?
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Understandably, there are some things from your personal life that you don’t want to talk to your employer about (e.g., money, religion, politics). However, there may come a time when you need to file for bankruptcy. When this happens, you may wonder whether your employer will know. The short answer to this question is that…
Common Myths Recurring Bankruptcy And Your Credit
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Your credit score will take a major hit, plummeting over 200 points, when you file for bankruptcy. However, if you have a lot of financial debt, bankruptcy may be the best way for you to liquidate your assets, discard or pay any debts, and get some financial relief. Therefore, when considering bankruptcy, you’ll want to…
Popular Tax Breaks Not Being Extended
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Many changes regarding the tax code will be occurring over the next couple of years. Along with a massive end-of-year spending bill, lawmakers also modified the treatment of retirement savings. Unfortunately, they didn’t give any tax credits. Therefore, there are four tax breaks that won’t be extended. The Child Tax CreditCurrently, most parents receive a…
Introducing Your Chapter 13 Bankruptcy Trustee’s Role
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Undergoing a Chapter 13 bankruptcy is both stressful and time-consuming. You feel as though your life is in the court’s hands as they determine your disposable income and decide upon an amount that’ll be used towards repaying your debts over the next 3 to 5 years. They’re also the ones who will determine whether you…
What it Means to File Bankruptcy on a Car Loan
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There are a lot of people who mistakenly believe that if they file for bankruptcy, they’ll wipe out their car loan and still keep their vehicle. Unfortunately, this isn’t true. While bankruptcy unwinds your obligation to pay back your car loan, you still need to make payments if you want to keep your vehicle. Here…
5 Tips When Preparing To File for Bankruptcy
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Filing bankruptcy could be one of the biggest financial decisions you ever take. It can have significant implications for your finances and your personal life over the next few years and beyond. Therefore, it’s important to consider what is involved with filing bankruptcy and what you can do in order to prepare better for this…
The Pros And Cons Of Filing For Bankruptcy
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There are many pros and cons of filing for bankruptcy. One of the biggest cons to doing so is that when you file for either a Chapter 7 or a Chapter 13 bankruptcy, it’ll show up on your consumer credit report for anywhere up to the 10 years of your life. Another thing that you’ll…
Options Besides Bankruptcy
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When you’re struggling with debt, filing for a Chapter 7 bankruptcy or Chapter 13 bankruptcy may be a good option. However, before doing so, you should take some time to see if there are any alternatives available because these could be your best remedy. Negotiate With Your Creditors If you either have some disposable income…