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Bankrate: Credit Cards

Bankrate: Loan

Bankruptcy Information

  • Yes You Can Refile Your Chapter 13 Case, But Should You?

    Yes You Can Refile Your Chapter 13 Case, But Should You?

    If you are facing a foreclosure, vehicle repossession, wage garnishment or other financial crisis, Chapter 13 bankruptcy can be a great tool to stop the chaos.  As the type of bankruptcy that includes a repayment plan, Chapter 13 can empower you to…
    - 19 days ago, 6 Sep 17, 11:14am -
  • How Bankruptcy Can Solve Your “Too Expensive Car” Problem

    How Bankruptcy Can Solve Your “Too Expensive Car” Problem

    Next to home mortgages, motor vehicle loans are often your most expensive purchase. According to USA Today, the average transaction cost of a new car or truck sold in the U.S. was around $33,500. Lenders are now extending vehicle purchase loans to 6…
    - 6 Jun 17, 6:26am -
  • Why I Prefer Chapter 7 Bankruptcy to Chapter 13 Debt Consolidation

    Why I Prefer Chapter 7 Bankruptcy to Chapter 13 Debt Consolidation

    Most folks considering bankruptcy will consider two options – Chapter 7 and Chapter 13. Sometimes, you have the option of choosing either type of bankruptcy, whereas in other situations you would only be eligible to file either a Chapter 7 or a Cha…
    - 19 May 17, 5:55pm -
  • Can I Lower My Car Payment in Bankruptcy?

    Can I Lower My Car Payment in Bankruptcy?

    If you’re having trouble paying your monthly bills—especially that steep car loan— you might be wondering if filing for bankruptcy will lower your existing car payment. It depends on which type of bankruptcy you file, but bankruptcy could poten…
    - 15 Apr 17, 1:01am -
  • How Will Bankruptcy Affect My Credit?

    How Will Bankruptcy Affect My Credit?

    One of the major concerns people have when they consider filing for bankruptcy is the damage it will do to their credit. Understandably, they worry that their credit score will plummet and that it will be difficult to restore once they’re on the ot…
    - 28 Mar 17, 12:14pm -
  • Sears, Payless and the Future of Retail

    Sears, Payless and the Future of Retail

    News stories this week indicated that Payless Shoes would likely file for Chapter 11 bankruptcy within the week. Stalwart Sears, founded in 1893 and once the country’s largest retailer, stated in its March 2017 SEC filing that, following a $2 billi…
    - 23 Mar 17, 5:12pm -
  • Mistakes to Avoid: How to Recognize When and Where You are Exposed Financially

    Mistakes to Avoid: How to Recognize When and Where You are Exposed Financially

    Last month, I wrote a blog post entitled Are You Exposed on this blog where I suggest that most bankruptcies occur when a debtor allows himself to be excessively exposed to external forces. By recognizing and controlling these points of exposure, you…
    - 7 Mar 17, 6:07pm -
  • Valuing Assets in Bankruptcy–A Cautionary Tale (In re: Worley, 4th Circuit)

    Valuing Assets in Bankruptcy–A Cautionary Tale (In re:  Worley, 4th Circuit)

    Today, the Fourth Circuit Court of Appeals ruled that undervaluing your assets in a bankruptcy case can be grounds to deny a debtor a discharge of his debts.  The case is In re:  Worley (link here).  To recap, when a debtor files for bankruptcy, h…
    - 28 Feb 17, 6:24pm -
  • Judge Neil Gorsuch on Bankruptcy

    Judge Neil Gorsuch on Bankruptcy

    The following is taken from a lecture given by the author on February 22, 2017 to the Maryland Bankruptcy Bar Association. On February 1, 2017, the President nominated Neil McGill Gorsuch to be an associate justice on the Supreme Court. Tonight, I’…
    - 24 Feb 17, 3:43pm -
  • Are You Exposed?

    Are You Exposed?

    Does it do any good to think about why you have debt problems? As a bankruptcy lawyer I have represented clients with every type debt problem imaginable and I think is very worthwhile to reflect about how and why you ended up in a bankruptcy...
    - 6 Feb 17, 12:41pm -

Credit.com: News + Advice

  • new6 Credit Cards to Help Furnish Your First Apartment

    6 Credit Cards to Help Furnish Your First Apartment

    [Disclosure: Cards from our partners are reviewed below.] Moving into your first apartment can be both thrilling and nerve-racking. It’s exciting to get a place of your own, but you’ve got to figure out how to afford all the stuff you need to mak…
    - 19 mins ago, 25 Sep 17, 12:01am -
  • newIdentity Thieves Bought a New Car in Her Name—Here’s How She’s Fighting It

    Identity Thieves Bought a New Car in Her Name—Here’s How She’s Fighting It

    Jen* is one of the few people that opens and reads every piece of mail they receive. It’s a quirk that has paid off: A piece of junk mail is how Jen found out someone had stolen her identity. “I opened a letter from Macy’s, which I thought was…
    - 19 mins ago, 25 Sep 17, 12:01am -
  • 6 Signs It’s Time to Revisit Your Budget

    6 Signs It’s Time to Revisit Your Budget

    Having a budget is a great start. But life will always throw you changes, and with those changes comes the need to revisit—and perhaps reallocate—your budget. Maybe you recently got a raise, moved to a more expensive apartment, or bought a pet. A…
    - 1 day ago, 24 Sep 17, 12:01am -
  • 6 Money Issues I Wish I Had Considered When I Joined the Military

    6 Money Issues I Wish I Had Considered When I Joined the Military

    Hindsight is 20/20. Looking back on your life, there will always be areas you wish you had handled differently. By joining the US Air Force, I had many opportunities to start my financial future off right. Unfortunately, I didn’t take the time to u…
    - 2 days ago, 23 Sep 17, 12:01am -
  • 4 Surprising Expenses I’ve Had Since Becoming a Mom

    4 Surprising Expenses I’ve Had Since Becoming a Mom

    When I was single and kid-free, I could spend my money as I pleased. While I’ve always been relatively responsible with my cash (retirement and emergency savings have always been important to me), back in the days before my daughter was born, there…
    - 2 days ago, 23 Sep 17, 12:01am -
  • Prep for Back-to-School Lunches with These 4 Credit Cards

    Prep for Back-to-School Lunches with These 4 Credit Cards

    [Disclosure: Cards from our partners are reviewed below.] Sending your kid off to school every day with a packed lunch can feel quite rewarding. But it can also lighten your wallet, as the Snack Pack puddings and Capri Suns needed for daily lunches r…
    - 3 days ago, 22 Sep 17, 12:01am -
  • The 10 Financial Products and Services with the Most Consumer Complaints

    The 10 Financial Products and Services with the Most Consumer Complaints

    Which financial product or service do people complain about the most? Is it credit cards? Auto loans? Mortgages? Student loans? Debt collection? The answer lies with the Consumer Financial Protection Bureau (CFPB).   Each month, more than 25,000 peo…
    - 3 days ago, 22 Sep 17, 12:01am -
  • Consolidating Your Debt? Consider These 6 Downsides First

    Consolidating Your Debt? Consider These 6 Downsides First

    Credit card debt among Americans is at an all-time high. In June, it increased to $1.02 trillion, according to a report from the Federal Reserve. In other words, Americans now have more credit card debt than just before the 2008 financial crisis. Whe…
    - 4 days ago, 21 Sep 17, 12:01am -
  • 10 Cities Where Your Paycheck Goes the Furthest

    10 Cities Where Your Paycheck Goes the Furthest

    Many people dream of living in New York or Los Angeles—rubbing shoulders with celebrities and Instagramming food from the hottest restaurants. They dream of flashy jobs and fat paychecks. That is, until they scroll through Craigslist or Zillow and…
    - 5 days ago, 20 Sep 17, 12:01am -
  • 4 Credit Cards to Help Teachers Stock Their Classrooms

    4 Credit Cards to Help Teachers Stock Their Classrooms

    [DISCLOSURE: Cards from our partners are reviewed below.] As a teacher, you often go the extra mile to make your classes effective. You might stay up late grading papers, spend extra time with a struggling student, and even buy supplies and materials…
    - 5 days ago, 20 Sep 17, 12:01am -

Make Love, Not Debt

  • To Save Energy or Not Save Energy, That Is the Question

    To Save Energy or Not Save Energy, That Is the Question

      You’re caught in the middle of a conundrum. You want to save money on your car insurance, but you also want to save the environment, and the two do not go hand in hand exclusively, as you’ve discovered. For many people, saving money is the win…
    - 10 Jun 17, 11:13pm -
  • 6 Things To Know Before Choosing To File Bankruptcy

    6 Things To Know Before Choosing To File Bankruptcy

    If you’ve come upon some hard financial times, one option that might have occurred to you is filing for bankruptcy. This is an action that many people have taken to help with their financial troubles, but unfortunately, not all of those people knew…
    - 14 Feb 17, 12:34am -
  • Making the Most of Your Career in Finance

    Making the Most of Your Career in Finance

    Are you feeling stagnant in your current position? Are you looking for ways to take your finance career to the next level? The time has never been better. Millennials and their younger counterparts are poised to flood the professional sector, meaning…
    - 7 Feb 17, 9:10am -
  • How Hiring an Accountant Can Transform Your Finances in 2017

    How Hiring an Accountant Can Transform Your Finances in 2017

    Benjamin Franklin once said, “…In this world nothing can be said to be certain, except death and taxes.” Never is this phrase more applicable than in the world of finance.  Whether you are a big business, small venture, or an individual, finan…
    - 11 Jan 17, 11:14pm -
  • Spread Betting is a Time-Efficient Way to Make Extra Money While Building Your Business

    Spread Betting is a Time-Efficient Way to Make Extra Money While Building Your Business

    Building a business is tough and time-consuming. There are lots of ways to do it, and no two businesses are just alike. But there are some common themes for almost every entrepreneur. For one, money is tight. You don’t have any extra money to spare…
    - 5 Sep 16, 10:04pm -
  • Three Skills that You Need to Be a Successful Forex Investor

    Three Skills that You Need to Be a Successful Forex Investor

    Forex can appear to change on a whim, a value rising or falling dramatically within an incredibly short timeframe. This appearance is erroneous. Forex is not a game of luck. The currency markets change due to thousands of intertwining external factor…
    - 26 Aug 16, 9:52am -
  • With some Luck, You Can Put Debt Where it Belongs: In the Past

    With some Luck, You Can Put Debt Where it Belongs: In the Past

    When it comes to serious budgeting and personal finance, luck is the last thing you want to rely on. Budgeting is all about prediction, you know, and luck is – by its nature – unpredictable. But sometimes it steps in, making things take a favorab…
    - 17 Aug 16, 10:25am -
  • Investing and Trading – Contrasting and Complimenting

    Investing and Trading – Contrasting and Complimenting

    Except for finance professionals in the investment world, most of the rest of us assume that investing and trading are one and the same thing. It is not rare to find someone using the two words interchangeably in a statement as if they are synonyms.…
    - 19 Jul 16, 11:58pm -
  • Reasons People Trade Forex

    Reasons People Trade Forex

    The retail market of forex is starting to become more popular each day and this phenomenon makes us look for the answers to the following questions: “Why is forex so attractive to a lot of people? What makes them interested in trying to learn how t…
    - 19 Jul 16, 11:49pm -
  • 3 Financial Management Tactics You Can Start Using Today

    3 Financial Management Tactics You Can Start Using Today

    Financial management is about more than just balancing your checkbook and making sure you don’t spend more than you make. Let’s take a look at some of the financial management tactics you can start using today that can help you achieve your long-…
    - 29 Jun 16, 12:31am -

NASDAQ: Banking and Loans

  • How Blockchains Can Disrupt the Mortgage Market

    How Blockchains Can Disrupt the Mortgage Market

    By Alex Lielacher “Blockchain” has grown from a popular fintech buzzword into a technology that is currently disrupting a wide range of areas within the financial services industry. Trials using the distributed ledger technology that underlies…
    - 4 days ago, 21 Sep 17, 8:47am -
  • The Great Fintech Debate: Disruption Versus Evolution

    The Great Fintech Debate: Disruption Versus Evolution

    By Igor Khmel -- Co-Founder and CEO at BankEx The financial system is the core of our global ecosystem and has gained the trust of billions of people worldwide. While many see blockchain as the ultimate competitor of the banking system, both can ce…
    - 5 days ago, 20 Sep 17, 8:55am -
  • 3 Potentially Cheaper Ways to Finance a Large Purchase With a Credit Card

    3 Potentially Cheaper Ways to Finance a Large Purchase With a Credit Card

    This content is made possible by our sponsor; the views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc. Can you cover a $400 unexpected expense with your savings right now?…
    - 6 days ago, 19 Sep 17, 10:40am -
  • How One Woman Paid Off $81,000 in Student Loans While She Was Broke

    How One Woman Paid Off $81,000 in Student Loans While She Was Broke

    When Melanie Lockert graduated from California State University, Long Beach in 2006, she had more than a degree in theater — she had $23,000 in student-loan debt. But she wasn’t in any rush to pay it off. For about three or four years while she w…
    - 6 days ago, 19 Sep 17, 8:16am -
  • Hidden Obstacles That Keep People From Retirement

    Hidden Obstacles That Keep People From Retirement

    More than 50 percent of Americans will retire broke, according to a  2017 GOBankingRates study . And another 19 percent have less than $100,000 in the bank, which might not be enough to see them through their golden years. If you’re not setting a…
    - 7 days ago, 18 Sep 17, 8:49am -
  • 5 Simple Ways to Build Your Credit History

    5 Simple Ways to Build Your Credit History

    This content is made possible by our sponsor; the views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc. It’s the credit conundrum: You need credit history to get credit.…
    - 8 days ago, 17 Sep 17, 10:42am -
  • What You Should Do About the Massive Equifax Data Breach

    What You Should Do About the Massive Equifax Data Breach

    This content is made possible by our sponsor; the views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc. Chances are you were affected--and seriously--by the recent data bre…
    - 9 days ago, 16 Sep 17, 10:43am -
  • Is Your Best Response to Equifax a Credit Freeze or a Fraud Alert?

    Is Your Best Response to Equifax a Credit Freeze or a Fraud Alert?

    This content is made possible by our sponsor; the views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc. As the fallout from the huge Equifax data breach continues, consumer…
    - 9 days ago, 15 Sep 17, 3:41pm -
  • More Than Half of Americans Have Less Than $1,000 in Savings in 2017

    More Than Half of Americans Have Less Than $1,000 in Savings in 2017

    For the past two years, GOBankingRates has surveyed Americans to find out how much they have in savings. The results have been disheartening. Last year’s survey found that the percentage of  adults with less than $1,000* in savings jumped  from 6…
    - 10 days ago, 15 Sep 17, 8:43am -
  • This Couple Paid Off $5,000 In Debt On One Income In One Month

    This Couple Paid Off $5,000 In Debt On One Income In One Month


    - 11 days ago, 14 Sep 17, 8:21am -
Janine Just, Inc.
Janine Just, Inc.
Janine Just, Inc.
Janine Just, Inc.

NASDAQ: Credit and Debt

  • How credit cards take a bite out of gas prices

    How credit cards take a bite out of gas prices

    Rewards credit cards and gas cards can help you take a little bite out of gas prices which spiked in the wake of Hurricane Harvey Rewards credit cards and gas cards can help you take a little bite out of gas prices which spiked in the wake of Hurrica…
    - 2 days ago, 23 Sep 17, 9:48am -
  • Use miles, points for last-minute Northeast fall foliage trip

    Use miles, points for last-minute Northeast fall foliage trip

    The end of the warm long and carefree days of summer can be a bit sad but fortunately Mother Nature has something beautiful in store as the warm summer days transition into brisk fall evenings The end of the warm long and carefree days of summer can…
    - 3 days ago, 22 Sep 17, 11:40am -
  • Equal Credit Opportunity Act: Protection from credit discrimination

    Equal Credit Opportunity Act: Protection from credit discrimination

    Being discriminated against by a lender is unacceptable and costly Being discriminated against by a lender is unacceptable and costly The federal government s consumer watchdog announced a settlement of credit discrimination charges with American Exp…
    - 3 days ago, 22 Sep 17, 11:40am -
  • ID thieves covet SSNs over credit card data

    ID thieves covet SSNs over credit card data

    While treasure troves of credit card numbers come to many people s minds when they hear data breach hackers are actually much more interested in stealing Social Security numbers So much so that SSN breaches are outnumbering card data breaches 4 to 1…
    - 3 days ago, 22 Sep 17, 10:38am -
  • 4 Moves to Get Your Finances In Order After A Natural Disaster

    4 Moves to Get Your Finances In Order After A Natural Disaster

    This content is made possible by our sponsor; the views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc. As victims of Hurricane Harvey and Irma, and of the Northwest wildfi…
    - 3 days ago, 22 Sep 17, 9:49am -
  • Big financial moves can add up to big rewards

    Big financial moves can add up to big rewards

    A lot of people know that refinancing your home can save you a lot of money in mortgage payments But a lot of people probably don t know that refinancing can also earn you boatloads of reward points 160 A lot of people know that refinancing your home…
    - 3 days ago, 21 Sep 17, 1:38pm -
  • 4 fine-print traps to watch out for in credit card rewards programs

    4 fine-print traps to watch out for in credit card rewards programs

    If you re new to rewards cards it s easy to assume that accumulating enough points for a free travel or cash back is as simple as just using your card If you re new to rewards cards it s easy to assume that accumulating enough points for a free trave…
    - 3 days ago, 21 Sep 17, 1:38pm -
  • Credit freeze costs come under fire

    Credit freeze costs come under fire

    The costs of freezing your credit report are coming under fire in the wake of the giant hack at Equifax The costs of freezing your credit report are coming under fire in the wake of the gianthack at Equifax I didn t ask Equifax to gather data on me G…
    - 3 days ago, 21 Sep 17, 12:38pm -
  • What It's Really Like to Be an Entrepreneur

    What It's Really Like to Be an Entrepreneur

    The entrepreneurial spirit long has been part of American society, but in the past few years, entrepreneur-mania seems to have taken hold. If you turn on the TV, you'll see series such as "Shark Tank" and "Hatched" devoted to startups. And if you  f…
    - 4 days ago, 21 Sep 17, 8:35am -
  • Rate survey: Average card APR climbs to 16.15 percent

    Rate survey: Average card APR climbs to 16.15 percent

    The average APR for new credit card offers inched up to another record high Wednesday according to the CreditCards com Weekly Credit Card Rate Report The average APR for new credit card offers inched up to another record high Wednesday according to t…
    - 4 days ago, 20 Sep 17, 4:36pm -

Nolo's Bankruptcy, Debt & Foreclosure

  • We’ve Moved!
    New posts from our bankruptcy, debt, and foreclosure experts are now located on Nolo’s blog at blog.nolo.com. Choose either “Bankruptcy & Debt” or “Foreclosure” from the right side of the page to see the latest posts in those areas.
    - 19 Feb 15, 2:00pm -
  • Nolo Author Leon Bayer to Be Featured on KALW’s Your Legal Rights
    Your lawyer won’t call you back?  Missed a deadline? Failed to appear in court?  Doesn’t seem to have the expertise to handle your case? Or maybe you just don’t agree with your lawyer’s advice? Find out your options if you are having troubl…
    - 20 Nov 14, 12:57pm -
  • Official Bankruptcy Forms Will Change on December 1, 2014

    Official Bankruptcy Forms Will Change on December 1, 2014

    The Judicial Conference Committee on Rules of Practice and Procedure (how’s that for a mouthful) is responsible for revising and updating the official bankruptcy forms – those are the forms that you must use when you file for bankruptcy. In the p…
    - 19 Nov 14, 3:54pm -
  • Ocwen Caught Backdating Mortgage Letters

    Ocwen Caught Backdating Mortgage Letters

    According to a recent review of Ocwen Financial Corporation, a major mortgage servicer, by the New York Department of Financial Services (DFS), Ocwen may have backdated thousands of letters it sent to borrowers who were trying to save their homes fro…
    - 3 Nov 14, 2:40pm -
  • Tips for Getting a Great Reaffirmation Agreement in Bankruptcy
    Would you like to negotiate a reaffirmation agreement in Chapter 7 bankruptcy so you can keep secured personal property for less? Below are my tips for getting a great deal when reaffirming car loans and debts for jewelry, furniture, major appliances…
    - 3 Nov 14, 2:12pm -
  • Bankruptcy Means Test Median Income Figures to Change on November 1
    The United States Census Bureau recently published new statistics on the median income for individuals and families in each of the 50 states, plus the District of Columbia.  On November 1, 2014, the median income numbers that you must use when filin…
    - 30 Oct 14, 2:27pm -
  • Will I Lose Everything I Bought With Credit Cards If I File for Bankruptcy?

    Will I Lose Everything I Bought With Credit Cards If I File for Bankruptcy?

    ASK LEON  Bankruptcy expert Leon Bayer answers real-life questions. Dear Leon,  I am getting ready to file bankruptcy. What happens to all the stuff I bought using my credit cards? Every single thing I own was bought during the past ten years using…
    - 29 Oct 14, 5:11pm -
  • Help! I Got Notice That an Old Judgment Has Been Renewed

    Help! I Got Notice That an Old Judgment Has Been Renewed

    ASK LEON  Bankruptcy expert Leon Bayer answers real-life questions. Dear Leon,  About five years ago I moved to Nebraska from California. I just got a notice in the mail that a judgment obtained against me about 20 years ago has been renewed. It p…
    - 15 Oct 14, 12:26pm -
  • Forgive us our debts…and give us discounted lawyer fees, too.
    ASK LEON  Bankruptcy expert Leon Bayer answers real-life questions. Dear Leon, I want to file bankruptcy. My case is simple. I’m in my 20’s, I make next to nothing, and I own next to nothing. My debts are less than $15,000 on mostly old credit c…
    - 12 Sep 14, 2:51pm -
  • Fake Arrest Warrant for Unpaid Debt

    Fake Arrest Warrant for Unpaid Debt

    ASK LEON  Bankruptcy expert Leon Bayer answers real-life questions. Dear Leon: I just received an arrest warrant for an unpaid debt. I had no idea I could be arrested for something like this.  I am scared. What should I do? Here is a copy of what I…
    - 29 Aug 14, 10:26am -
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About PopMuse

A curated aggregation of musings from across the land and of different subject matters for the scanoholics.