Get Out of Debt

How to Write A Debt Validation Letter to Collection Agency

Did a collection agency contact you about a previous debt that you’re not familiar with or you’ve already paid off? Is the collector insisting the debt is yours and demanding that you pay it immediately? Don’t give in! Before you entertain their claims or make any payment arrangements, you need to make sure that the …

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Can the Bank Foreclose During a Loan Modification?

If you’re struggling to pay back your loan because of your current financial circumstances, you may apply for a loan modification from your lender. A loan modification involves changing the terms of your existing loan to make its payment more manageable. It’s one of the options to avoid foreclosure including filing for bankruptcy. As long …

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Can you file Bankruptcy Alone while Married (and how it affects your spouse)?

Financial hardships may come at some point, and sometimes your only way out is through bankruptcy. Can you file it without your spouse? Yes, you can file bankruptcy without your spouse if you’re struggling financially and you need debt relief. However, you need to remember that the filing may also have an impact on your …

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