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You are here: Home / Archives for Lucy Lazarony

Lucy Lazarony

Pros and Cons of Chapter 13 Bankruptcy

September 7, 2021 by Lucy Lazarony 1 Comment

Advantages and disadvantages to Chapter 13 bankruptcy

If you make more than your state’s median income and are looking to clear away high, unsustainable debts through bankruptcy, and you have too much disposable income to qualify for a Chapter 7 bankruptcy, a Chapter 13 bankruptcy may be a good option for you. With a Chapter 13 bankruptcy, your debts are reorganized and […]

Filed Under: bankruptcy

Budget your way out of debt

September 7, 2021 by Lucy Lazarony Leave a Comment

Balancing your budget to get out of debt.

If you’re in debt, you may be able to break free just by making some smart moves with your budget. Slashing expenses that you don’t need, finding ways to lower fixed expenses such as auto insurance and utilities bills will free up more room in your budget. And so will the plain, old task of […]

Filed Under: money management

Pros and Cons of Chapter 7 Bankruptcy

September 7, 2021 by Lucy Lazarony 2 Comments

Getting out of debt with chapter 7 bankruptcy.

If your debts are unsustainable, and you have few assets, you may wish to clean the slate by filing for a Chapter 7 bankruptcy. Even those of us with assets we want to keep, such as your home or car, may find that it’s more suitable for their situation as well. As consumers, we will […]

Filed Under: bankruptcy

The Pros and Cons of a Reverse Mortgage

September 7, 2021 by Lucy Lazarony Leave a Comment

Advantages and disadvantages of a reverse mortgage.

With a reverse mortgage, a senior homeowner can withdraw a large chunk of the equity in their home for cash, spend it how they wish and wait to pay it back. Reverse mortgages are special types of home loans that are available to homeowners aged 62 and older. Unlike home equity loans, with a reverse […]

Filed Under: money management

6 Ways To Prepare When Applying For A Mortgage

September 7, 2021 by Lucy Lazarony Leave a Comment

Looking to buy a home in the next year or more?  You’ll want to clean up your credit, pay down debt and build up your savings. Here are six ways to get ready to apply for a mortgage. Review your credit reports. Buying a home is the biggest purchase you are likely to make and […]

Filed Under: debt management

How to Choose a Health Care Plan

September 7, 2021 by Lucy Lazarony Leave a Comment

What to look for in a healthcare plan.

Choosing the best health plan for you and your family takes time and a little bit of work. But before getting lost in the details of each plan, sit down and take a close look at your family’s medical needs and expenses. What medical services will you and your family need in the next year? […]

Filed Under: money management

What to Do if You’re a Victim of Identity Theft

September 30, 2021 by Lucy Lazarony 3 Comments

Things you can do if you're a target for identity theft.

Has an identity theft struck one of your accounts?  Try not to panic!  But it is important to act fast to minimize the damage. Here’s what you need to do to get your credit and your finances back on track. Place a fraud alert on each of your credit reports.  Phone one of the three, […]

Filed Under: consumer rights, credit reports, money management

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