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You are here: Home / Archives for bankruptcy

bankruptcy

Comenity Credit Cards Can Be Settled For Less

March 3, 2022 by Michael Bovee 2 Comments

Comenity Bank is mostly known for servicing credit cards for stores and other outlets, not for their own branded cards, or retail bank locations. As you will see from the list below, they are the bank behind more than 100 other companies. Your options for dealing with credit cards serviced by Comenity will often mirror […]

Filed Under: bankruptcy, credit counseling service, debt collection, debt settlement

Coping with Freedom Plus Loans When You Cannot Keep Up Payments

September 7, 2021 by Michael Bovee 17 Comments

Freedom Plus loans can range from about ten to forty thousand dollars. The interest rates can vary depending on your qualifications when you get approved for the loan. This can make for hefty monthly payments, and can also mean some of us are one unexpected expense away from not being able to make our Freedom […]

Filed Under: bankruptcy, credit reports, debt collection, debt settlement Tagged With: Consolidation loan, Freedom Plus

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

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

Get Out of Debt Before it Gets Out of Control

September 7, 2021 by Mrs. MoneyJar Leave a Comment

Get help to get out of debt now, before it grows into a bigger problem.

If you’ve already read my first article, 5 Steps to Get Out of Financial Purgatory, you know that we’ve reached step #3 on the list. And, although, I am definitely not an expert on getting out of debt, life has taught me that you can’t wish it away or bury your head in the sand. […]

Filed Under: bankruptcy, credit counseling service, debt consolidation, debt management, debt settlement, money management

How to Interview and Find the Bankruptcy Attorney You’ll Hire

September 7, 2021 by Michael Bovee 57 Comments

How to find a good bankruptcy attorney

Not all bankruptcy attorneys are created equal. That is not shocking. The same could be said about finding help in any profession or job that requires expertise and training. That said, finding the right bankruptcy attorney for you is not something that should prove difficult for most of us. But there are some things I […]

Filed Under: bankruptcy

How Bankruptcy, Payment Plans, and Debt Settlement Affects Your Credit

September 7, 2021 by Michael Bovee 85 Comments

A common concern you may have when searching for the best way to get out of overwhelming debt is how it affects your credit score. What follows will help you understand credit score impacts that relate to the most common and legitimate debt solutions. This page will also help to dispel some myths that get […]

Filed Under: bankruptcy, credit counseling service, credit reports, debt management, debt settlement Tagged With: debt relief, FICO, vantage score

Best Debt Solution Options – An Overview

September 7, 2021 by Michael Bovee 51 Comments

Debt Solution Options and Cash Flow

Because the options available to eliminate problem credit card debt are limited, I often find it more productive to use a process of elimination to help determine what would be the best debt solution. Most readers will find they can narrow down the list of debt relief options to one, or perhaps two, using the […]

Filed Under: bankruptcy, Blog, credit counseling service, credit reports, debt consolidation, debt settlement

Stress about overwhelming debt, or fear?

September 30, 2021 by Michael Bovee 1 Comment

I generally begin any debt relief consultation I do with people who reach out to my company in search of help with credit card debt with this question: “What has you reaching out to a perfect stranger? What is going on with you financially”? Then, I shut up and listen. I am sometimes the first person […]

Filed Under: bankruptcy, consumer rights, credit reports, debt collection, debt settlement, economy

Dealing with Capital One in Collections

September 30, 2021 by Michael Bovee 315 Comments

My experience working with financially-challenged consumers and their creditors nationwide since the economic downturn reflects that virtually every national issuer of credit cards, even larger regional credit unions, have gone as far as they can to assist their struggling account holders. Capital One is an exception to this. How Capital One goes about settling a […]

Filed Under: bankruptcy, consumer rights, credit reports, debt collection, debt settlement

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