Dealing With Debts
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Bankruptcy isn’t the only way you can dig yourself out of debt. Make sure you understand all the options for dealing with outstanding debts, overdue bills, pending foreclosures, car repossessions, and the like. By reviewing all of your options you may find a solution to your debt troubles without filing for bankruptcy. Or you may decide that bankruptcy is indeed the best way to go.
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If you are in debt, here are some possible alternatives to declaring bankruptcy.
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Learn about possible defenses to the foreclosure of your home.
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Tips for Managing and Avoiding Medical Debt
Here are some useful ideas for managing medical bills and avoiding excessive medical debt. -
The Statute of Limitations and Your Debt
If you have an old debt, your creditor cannot try to collect it forever. State laws limit the period of time it has to sue you to recover amount owed -- this is called the statute of limitations. -
1099C: Tax Consequences of Forgiven Debt
If a creditor writes off a debt you owed, or if you settle a debt for less than the full amount owed, you may owe taxes on the "income" (that is, the amount written off). -
What Happens If a Creditor Sues Me?
Here's what to expect if you are served with a lawsuit by a creditor. -
How to Remove a Tax Lien From Your Credit Report
In certain circumstances you can ask the IRS to withdraw a tax lien and then have it removed from your credit report.
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Federal repayment plans, getting out of default, loan consolidation, and more.
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Articles on wage garnishment, federal and state limits, and how to object.
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Articles on car repossession, deficiency after repo, and more.
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Debt Validation in Collection Cases
Debt verification (sometimes referred to as debt validation) is a powerful tool available to debtors whose debts are sent to collection agencies. -
Common Illegal Practices Used in Credit Cards Collections
The federal Fair Debt Collections Act (FDCPA) prohibits debt collectors from engaging in many kinds of abusive or deceptive activities. It pays to learn what collectors cannot do, so that you can protect yourself.
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Setting Goals When Negotiating With Creditors
One good way to deal with overdue or outstanding debts is to negotiate a deal with the creditor or debt collector. Before you start negotiating, figure out exactly what you want – these are your negotiation goals. -
Tips for Negotiating With Creditors
Here are some tips that will help you negotiate with your creditors.
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Solve Your Money Troubles: Debt, Credit & Bankruptcy
Get out of debt and solve your money troubles with this complete guide to repairing your credit and regaining financial freedom. -
The New Bankruptcy: Will It Work for You?
Get the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy is the right solution for your debt problems.
