Get Out of Debt

How to Write A Debt Verification Letter to a 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 One Spouse File Bankruptcy Alone (And How Does it Affect Your Non-Filing 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 for bankruptcy without your spouse. And it makes the most sense when you and your spouse keep your finances separate, or you don’t want to affect your spouses’ …

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What Happens to Your Car in a Chapter 7 Bankruptcy – Can you Keep it?

When you need to file for bankruptcy, it can be a stressful time. As you struggle to find the right solution and get debt relief, many things can make this process even more complicated. A Chapter 7 bankruptcy filing erases your debts, but there’s a catch. If you have any assets, they will be taken …

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