In the 1980s and 1990s, debt collectors were in the habit of abusing and harassing debtors; the mistreatment was rampant. This abuse included calls at all hours of the day and night, threats of violence, profane language, threats to embarrass the debtor by making their debts public knowledge, etc....
When people file Chapter 7 and 13 bankruptcies, they’re usually focused on filling out all of the necessary paperwork and after all is said and done, on rebuilding their credit. They rarely think much about when and how the bankruptcy falls off their credit report. “It’s been almost 10 years since...
Bankruptcy is available for debtors who have more debt than they can handle. Even though it can cause a credit score to dip, appearing on a debtor’s credit report for years, it should not hurt a person’s credit forever. If they play their cards right, it will be temporary. Bankruptcy offers debt...
The cost of healthcare has been soaring for decades, especially for individuals who: 1) don’t qualify for Medicare of Medicaid, 2) are independent contractors, or 3) who earn some money, but not enough to afford quality health insurance. If you’ve accrued large medical bills on behalf of yourself,...
In Pennsylvania, noncustodial parents pay child support until their children turn 18, but there are some limited exceptions. A noncustodial parent is off the hook if their son or daughter becomes emancipated. Conversely, if a child is disabled and cannot support themselves when they become a legal...
If you filed for bankruptcy relief in the past and received a discharge, you may be wondering if you can file bankruptcy again. Is there a limit to how many bankruptcies one person can file? If you can file multiple times, are there time restraints? Generally, debtors are not limited to the number...
It is not uncommon for a borrower to have available credit, or go out and apply for new credit with the intention of maxing out their credit cards and then filing Chapter 7 bankruptcy. Since its December and Christmas shopping is on everyone’s mind, we thought now would be a perfect time to...
For a lot of people, owning a home is symbolic of realizing the American Dream. You know the dream...a comfortable three or four-bedroom home with two new cars parked in the garage. And for a lot of people, owning a home means security down the road. Once they pay off their house in 15 or 30...
