Hiral Atha

You’re getting calls or other notices from a creditor or collection agency on a debt they say you owe. However, you don’t see it on your credit report. They must be mistaken, right? Not necessarily. Although most companies report consumers’…

If a significant portion of the debt that has you considering bankruptcy is student loan debt, you’re not alone. Almost a third of people who file for bankruptcy have student loan debt. On average, it comprises almost half of their…

You were living within your means. You were able to pay your bills every month, buy groceries and gas and keep up with the minimum payments due on your credit cards. However, you didn’t have much left over at the…

If you’re considering Chapter 7 bankruptcy, one of the terms you’ll see a lot as you learn about the process is “discharge.” That’s a big step in a bankruptcy case. It usually happens approximately four months from the bankruptcy filing.…

Chapter 7 is traditionally associated with personal bankruptcy filings. However, in some cases, businesses can file for Chapter 7. It depends on how the business is structured. Sole proprietorships are considered legal extensions of their owners. However, Chapter 7 can…

Could your debt be endangering your mental and physical health? It might be, according to a report recently published by CarefulCents.com, a personal finance website. The site reported that consumer debt was linked not just to psychological distress but to…

You’ve made the decision to file for bankruptcy, or maybe you’ve already begun the process. While the bankruptcy will impact your credit and your life for a while, it will also give you a fresh start. It’s essential to make…

Financial issues can contribute to strains in a couple’s marriage. It’s not unusual for someone to consider filing for bankruptcy as they’re also headed toward divorce or have already begun the divorce process. Sometimes people file for bankruptcy after they’ve divorced,…