Overcoming the aftermath of bankruptcy demands thoughtful strategies. Despite its challenges, rebuilding your credit score is not an impossible task. With the right amount of effort, you can start a journey towards credit recovery. Here are some effective strategies...
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Year: 2023
How the bankruptcy means test determines Chapter 7 eligibility
When people in Utah file for bankruptcy, they typically do so through either a Chapter 7 or a Chapter 13 filing. The bankruptcy means test helps determine if you qualify for Chapter 7 relief. Chapter 7 bankruptcy, which is a "liquidation bankruptcy," gives you a...
How to buy a car while going through Chapter 13 bankruptcy
Chapter 13 bankruptcy is a way of repackaging your debt into affordable monthly payments over three to five years. A lot can happen in that time, including your car breaking down or getting totaled in an accident. Normally, it's your decision whether to buy a new...
What is debt collector misrepresentation?
When debt collectors attempt to collect their debts, they must abide by the laws set down by the Fair Debt Collections Practices Act (FDCPA). Failure to do so can result in a legal penalty. Unfortunately, that does not stop every debt collector and some still engage...