Many consumers who end up filing for either a Chapter 7 bankruptcy or a Chapter 13 bankruptcy plan may wait a while before making the decision to do this. One reason for the hesitation is the fear that a bankruptcy will create long-term damage to a person's credit...
Month: April 2020
What non-physical ways do debt collectors threaten people?
What do Texas residents do when they find themselves facing hard financial times? They may also deal with extra hurdles. In some cases, these hurdles may include debt collectors. Though debt collectors are not supposed to harass you, that does not mean they abide by...
When is the Chapter 13 bankruptcy discharge?
When you file a Chapter 13 bankruptcy, you learn that this is a repayment plan that will last three to five years before your case is complete. This means that you will not get your discharge until you complete your repayment plan. Unlike a Chapter 7, you will not get...
The FDCPA protects you against creditor harassment
If you owe money to creditors, you may be under the impression that said creditors have few restrictions on when and how often they can call you. After all, you owe them money and they have the right to remind you. In fact, most people are familiar with debt...
Should I get a secured credit card after bankruptcy?
Declaring bankruptcy may simultaneously be one of the hardest and best things that you ever do. Going through bankruptcy can help you get the financial clarity you need to move forward with your life. However, it can be confusing trying to figure out what the best...
What are ways to keep yourself safe from credit card debt?
Texas residents may fall into debt due to many circumstances or situations. Credit card debt is a common issue many people face. Once you get back out of debt, many people ask themselves how to avoid falling into it again. Today we will look at the answer to this...