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Bankrate: Credit Cards

Bankrate: Loan

Bankruptcy Information

  • 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…
    - 71 days ago, 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…
    - 89 days ago, 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 -
  • Payday Loans Are Not “Cash Advances” Under Bankruptcy Law

    Payday Loans Are Not “Cash Advances” Under Bankruptcy Law

    Discharging payday loans in bankruptcy is easier than you may think and easier than the lender may want you to know.
    - 31 Jan 17, 1:52pm -

Credit.com: News + Advice

  • new4 Steps to Finding Your Perfect Meal Planning Service

    4 Steps to Finding Your Perfect Meal Planning Service

    My family’s recent subscription to a meal planning service has been a godsend. With my husband and I both working full time while raising our two children, cooking has been put on the back burner. We found ourselves eating out too much and when we…
    - 14 hours ago, 16 Aug 17, 12:01am -
  • 11 Hacks for Finding an Affordable College Apartment

    11 Hacks for Finding an Affordable College Apartment

    Your kid doesn’t want to stay in the dorms, so now what? In today’s real estate market, finding a place to live can cost a fortune. From negotiating tactics to gaining a leg up over the competition, real estate experts share 11 ways to save on yo…
    - 2 days ago, 15 Aug 17, 12:01am -
  • Creating a Menu Plan to Save on Groceries

    Creating a Menu Plan to Save on Groceries

    Although it’s not particularly fun, creating menu plan is one of the simplest way to save money. If you can create a menu plan, you can save money. It is as simple as that. There are two main reasons that a menu plan can save money: You don’t eat…
    - 2 days ago, 15 Aug 17, 12:01am -
  • 8 Smart Purchases to Make in Your 20s

    8 Smart Purchases to Make in Your 20s

    A smart purchase is just another way of saying awesome investment. You might feel strapped for cash in your 20s, but smart buyers will make purchases that will last them into their 30s and beyond. While it’s always tempting to spend your paycheck o…
    - 3 days ago, 14 Aug 17, 12:01am -
  • 11 Ways to Lower Your Monthly Student Loan Payments

    11 Ways to Lower Your Monthly Student Loan Payments

    Student loan debt is a huge burden for millions of Americans, representing the second largest form of consumer debt in the country. A large monthly student loan payment can make it difficult to afford your other living expenses. Luckily, there are m…
    - 3 days ago, 14 Aug 17, 12:01am -
  • What to Do If Your Company Doesn’t Offer a Retirement Plan

    What to Do If Your Company Doesn’t Offer a Retirement Plan

    The ability to divert part of your paycheck to an investment account and build a nest egg is a huge advantage in the grand scheme of life. In fact, much of the American workforce relies on employer-sponsored retirement plans to do so. But while we th…
    - 4 days ago, 13 Aug 17, 12:01am -
  • 6 Credit Cards for College Commuters

    6 Credit Cards for College Commuters

    [DISCLOSURE: Cards from our partners are mentioned below.] Waking up early to rush to class is never fun, and having to commute to school doesn’t make mornings any easier. Whether you live 15 minutes from campus or more than an hour away, every min…
    - 5 days ago, 12 Aug 17, 12:01am -
  • 19 Ways to Save at buybuy Baby

    19 Ways to Save at buybuy Baby

    Anyone who’s ever attended a baby shower or had a baby is sure to know about buybuy Baby, the baby goods superstore alternative to Babies ‘R Us. If you aren’t quite convinced that buybuy Baby is the store for you, check out all these ways to sa…
    - 6 days ago, 11 Aug 17, 12:01am -
  • 11 Things College Students Should Know Before Opening a Credit Card

    11 Things College Students Should Know Before Opening a Credit Card

    College is a great time for financially responsible students to start learning to use credit cards. Credit cards can enable students to make purchases, build credit and even earn rewards. But credit cards can be a confusing concept for a first-timer.…
    - 6 days ago, 11 Aug 17, 12:01am -
  • The Hidden Cost of Verizon’s ‘Free’ Rewards Program: Your Data

    The Hidden Cost of Verizon’s ‘Free’ Rewards Program: Your Data

    With the announcement of Verizon Up, a new wireless rewards program that provides users with customer incentives, first-dibs opportunities on things like VIP tickets and other exclusive deals, we thought it was time to review how reward marketing pla…
    - 7 days ago, 10 Aug 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…
    - 67 days ago, 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

  • The $450 Reason To Avoid Overdraft Coverage

    The $450 Reason To Avoid Overdraft Coverage

    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. If you often try to spend more than what’s in your checking accou…
    - 2 days ago, 14 Aug 17, 9:21am -
  • Financial Secrets Your Partner Might Be Keeping From You

    Financial Secrets Your Partner Might Be Keeping From You

    Open and honest communication is important for every aspect of your relationship — but it's especially crucial when talking about money. "Honesty truly is the best policy," said Jason Thacker, head of U.S. consumer deposits and payments at TD Bank.…
    - 2 days ago, 14 Aug 17, 8:47am -
  • Are Some Credit Cards Really Worth $450 or More a Year?

    Are Some Credit Cards Really Worth $450 or More a Year?

    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 first anniversary of the Chase Sapphire Reserve℠ approaches…
    - 3 days ago, 13 Aug 17, 10:20am -
  • 20 Life Hacks That Increase Your Wealth

    20 Life Hacks That Increase Your Wealth

    If you've ever looked at your paycheck and wished the amount you were depositing into your bank account were higher, you aren't alone. After all, higher balances translate into more freedom and opportunity and a greater sense of security. Fortunatel…
    - 5 days ago, 11 Aug 17, 8:32am -
  • Dumb Credit Card Mistakes You're Making

    Dumb Credit Card Mistakes You're Making

    Credit card debt is an issue that affects millions of people. It can prevent them from buying a home or car, or even taking a nice vacation. To avoid misusing your credit card in a way that can have long-term impacts on your credit and finances, mak…
    - 8 days ago, 8 Aug 17, 8:39am -
  • How Prepaid Debit Cards Compare With Other Card Options

    How Prepaid Debit Cards Compare With Other Card Options

    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. A prepaid debit card is a reloadable payment card that can be used t…
    - 12 days ago, 4 Aug 17, 3:41pm -
  • How To Take Advantage Of Rising Deposit Rates

    How To Take Advantage Of Rising Deposit Rates

    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 been more than a year and a half since the Federal Reserve fi…
    - 15 days ago, 1 Aug 17, 10:00am -
  • Why Business Loans Are Often Rejected—And What You Can Do About It

    Why Business Loans Are Often Rejected—And What You Can Do About It

    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. You’ve been approved for virtually every loan, card, or other cred…
    - 15 days ago, 1 Aug 17, 6:32am -
  • 6 Money Moves To Avoid On Your Foreign Vacation

    6 Money Moves To Avoid On Your Foreign Vacation

    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. The world’s economies and banking systems may be becoming more int…
    - 17 days ago, 30 Jul 17, 9:23am -
  • 3 Must-Haves When Choosing Your Business Bank

    3 Must-Haves When Choosing Your Business Bank

    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. Small business banking is a topic that sometimes gets short shrift.…
    - 20 days ago, 27 Jul 17, 9:26am -
Recipe Test Nest
Recipe Test Nest
Recipe Test Nest
Recipe Test Nest

NASDAQ: Credit and Debt

  • How to prepare for the next economic downturn

    How to prepare for the next economic downturn

    The economic recovery has reached old age and may be slowing down making this a good time to prepare for the hardships some of them surprising that a recession brings The economic recovery has reached old age and may be slowing down making this a goo…
    - 1 day ago, 15 Aug 17, 12:36pm -
  • Millennials most likely to monitor credit scores, plan to improve them

    Millennials most likely to monitor credit scores, plan to improve them

    Millennials are keeping a closer eye on credit scores than older generations and they aren t stopping there A majority of them also have an action plan for boosting their scores Millennials are keeping a closer eye on credit scores than older generat…
    - 1 day ago, 15 Aug 17, 8:34am -
  • Borrowing from friends and family: Your 6-step guide

    Borrowing from friends and family: Your 6-step guide

    Call it the bank of last resort Call it the bank of last resort Hitting up your nearest and dearest for money is never ideal Or even a first option But if you re in a bind there are ways to make it more palatable for both of you Hitting up your neare…
    - 2 days ago, 14 Aug 17, 3:34pm -
  • The $450 Reason To Avoid Overdraft Coverage

    The $450 Reason To Avoid Overdraft Coverage

    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. If you often try to spend more than what’s in your checking accou…
    - 2 days ago, 14 Aug 17, 9:21am -
  • Financial Secrets Your Partner Might Be Keeping From You

    Financial Secrets Your Partner Might Be Keeping From You

    Open and honest communication is important for every aspect of your relationship — but it's especially crucial when talking about money. "Honesty truly is the best policy," said Jason Thacker, head of U.S. consumer deposits and payments at TD Bank.…
    - 2 days ago, 14 Aug 17, 8:47am -
  • Are Some Credit Cards Really Worth $450 or More a Year?

    Are Some Credit Cards Really Worth $450 or More a Year?

    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 first anniversary of the Chase Sapphire Reserve℠ approaches…
    - 3 days ago, 13 Aug 17, 10:20am -
  • Special offer: Blue Cash Preferred waives annual fee for first year

    Special offer: Blue Cash Preferred waives annual fee for first year

    The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars However we do receive compensation when you click on links to products from our partners Learn more about our advertising…
    - 4 days ago, 12 Aug 17, 9:35am -
  • 6 reasons entrepreneurs should get a business card

    6 reasons entrepreneurs should get a business card

    If you re like many new entrepreneurs you may still be using your personal credit card for business purposes rather than a business credit card But convenience often comes at a cost and you may be missing out on business perks that can hasten your co…
    - 5 days ago, 11 Aug 17, 12:36pm -
  • Is it worth keeping the Chase Sapphire Reserve for a 2nd year?

    Is it worth keeping the Chase Sapphire Reserve for a 2nd year?

    It was one of the biggest reward card deals of 2016 an expensive new travel rewards card from Chase that offered a blockbuster 100 000 points plus a host of other benefits Despite a 450 annual fee and virtually no advertising the Chase Sapphire Reser…
    - 5 days ago, 11 Aug 17, 10:35am -
  • How identity theft affects your credit score

    How identity theft affects your credit score

    Identity theft can unfairly hamper its victims ability to get credit and loans on top of other hardships Identity theft can unfairly hamper its victims ability to get credit and loans on top of other hardships The actions of fraudsters can affect you…
    - 5 days ago, 11 Aug 17, 10:34am -

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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