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Dave Ramsey Told a Caller to Settle $100,000 in Debt for $20,000, Here Is What He Left Out On the August 26 episode of The Ramsey Show, a caller named Dean described a situation we [ ... ]
New Research Finds Debt Settlement Damages Credit Scores More Than Bankruptcy Debt settlement companies sell one main idea: settlement is the gentler option. Bankruptcy is the last resort, the permanent mark, the thing you avoid [ ... ]
A Chapter 13 plan runs three to five years. Almost nobody gets through a stretch that long without something changing. In Northern Virginia, the change we see most often is a job loss, and it [ ... ]
You Are Not Alone: Many Are Struggling With Debt Why the isolation is an illusion, and why bankruptcy is far less frightening than it looks One of the hardest parts of struggling with debt has [ ... ]
What to Do If Your Debt Settlement Program Is Not Working Most people who enroll in a debt settlement program are trying to do the responsible thing. They want to pay something back. They want [ ... ]
Allowable Expenses in Chapter 7 Bankruptcy: What Counts, What Gets Capped, and What Actually Decides Your Case Expenses work differently in Chapter 7 bankruptcy than most people expect. In Chapter 13, expenses help set a [ ... ]
15 Mistakes That Can Sink Your Chapter 13 Case A Chapter 13 case is a three-to-five year commitment; it is a long time. Life does not stop while your plan runs. People change jobs, cars [ ... ]
Retired and Considering Bankruptcy? Your Social Security, Pension, and Retirement Savings Are Better Protected Than You Think If you are retired and lying awake at night over credit card balances, medical bills, or a lawsuit [ ... ]
The Death of a Thousand Cuts: How micro-debts are quietly destroying household budgets Most people think financial trouble starts with one big event: A job loss; a medical emergency; a divorce; a credit card balance [ ... ]
Why a Great Credit Score Doesn’t Mean You’re Financially Stable People come into our office with a number looking at options to manage their debt, but their priorities are not the debt, it is maintaining [ ... ]
The Six-Month Rule: How to Tell If Your Debt Payoff Plan Is Actually Working A Simple Framework We Use to Evaluate Whether a Debt Repayment Strategy Is Producing Meaningful Results Most debt payoff plans fail [ ... ]
Why Your Chapter 13 Payment is Outside Your Budget One of the biggest misconceptions about Chapter 13 bankruptcy is that it automatically creates an affordable monthly payment. Many people come into our office believing that [ ... ]