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Bankrate: Credit Cards

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Bankruptcy Information

  • Consumer Commission – Student Loan Proposals (Part II)

    Consumer Commission – Student Loan Proposals (Part II)

    Last week, we outlined the ABI Commission on Consumer Bankruptcy’s proposals to improve the fresh start in bankruptcy by expanding the discharge of more student loans.  But the Commission recommended Congress make other changes to help people burd…
    - 60 days ago, 25 Apr 19, 3:06pm -
  • Consumer Commission – Student Loan Discharge Recommendations

    Consumer Commission – Student Loan Discharge Recommendations

    The American Bankruptcy Institute’s Commission on Consumer Bankruptcy issued its final report last week.   This is the first in a series of articles about those recommendations.  To see more information about the Commission, follow this link. As…
    - 67 days ago, 18 Apr 19, 7:30pm -
  • Can I File Chapter 13 if I am Self Employed?

    Can I File Chapter 13 if I am Self Employed?

    Can you file a Chapter 13 debt consolidation case if you are self employed? Yes, you can but expect the process to be more difficult, burdensome and expensive than it would be if you are a salaried employee. Chapter 13 works best when your income...
    - 5 Mar 19, 12:17pm -
  • Judicial Estoppel: Medical Malpractice Claim Survives Omission From Bankruptcy Schedule A/B

    Judicial Estoppel: Medical Malpractice Claim Survives Omission From Bankruptcy Schedule A/B

    A chapter 7 trustee was allowed to pursue a medical malpractice claim that the debtor had failed to list in her papers, even where the trustee and the debtor had agreed to split the lawsuit proceeds. In this New Hampshire case, Alward v. Johnston, 20…
    - 27 Jan 19, 1:11pm -
  • GasBuddy = Gas Savings

    GasBuddy = Gas Savings

    Now more than ever clients and ordinary people are trying to save money any way they can.  People will seek out obvious ways to save such as eliminating eating out or for me, stop coffee purchases. But what about looking for not so obvious ways...
    - 7 Jan 19, 10:48pm -
  • Rescission & Bankruptcy

    Rescission & Bankruptcy

    Rescission, what is it and what does it have to do with bankruptcy? 11 U.S.C. § 524(c)(4) outlines the basis for rescission but it really does not identify what rescission does for you. A rescission breaks or cancels a promise to pay and it is...
    - 27 Dec 18, 10:42am -
  • Why I will be Rude to You After You File Chapter 13

    Why I will be Rude to You After You File Chapter 13

    I like my clients. I find bankruptcy work rewarding because I can offer positive change to the lives of honest, hardworking people who have an immediate financial problem. However, I can be an absolute pain in the rear end to my Chapter 13 clients af…
    - 6 Oct 18, 9:24am -
  • Why does the IRS file liens? And what you can do about one.

    Why does the IRS file liens? And what you can do about one.

    The obvious reason the IRS files a lien is because someone owes it money.  If you have a lien filed against your property the IRS is attempting to collect a debt. It could be an aggressive or passive collection attempt but the lien signals the...
    - 21 Sep 18, 1:26pm -
  • Why Nothing Good Comes from Pro Se Bankruptcy Filings

    Why Nothing Good Comes from Pro Se Bankruptcy Filings

    I have been a personal bankruptcy lawyer in Atlanta for more than 30 years and one of the trends that I have seen over all these years has been that personal bankruptcy is more complicated and confusing now than it is ever been in the...
    - 6 Jun 18, 11:57am -
  • How Cognitive Biases Can Drive You Into Bankruptcy

    How Cognitive Biases Can Drive You Into Bankruptcy

    Are you familiar with the term cognitive bias? A cognitive bias represents an error in reasoning or decision making when you disregard accurate information in favor of your subjective preferences and beliefs. In other words, you exhibit a cognitive b…
    - 9 Apr 18, 11:46am -

Credit.com: News + Advice

  • Why You Should Stop Playing the Lottery and Open a Prize-Linked Savings Account

    Why You Should Stop Playing the Lottery and Open a Prize-Linked Savings Account

    If you enjoy playing the lottery, you’re not alone. About half of all adults in the United States have played the lottery, and the average player throws about $600 a year on the long odds that they might hit it big. For the vast, vast majority of p…
    - 13 days ago, 12 Jun 19, 12:00am -
  • How Much Does Your Family Need in Savings?

    How Much Does Your Family Need in Savings?

    Family savings is something you’ve probably thought about on more than one occasion. It can be tricky to save anything while you’re busy making sure your family has what it needs day-to-day. Aside from providing a house, clothing, and daily meals…
    - 20 days ago, 5 Jun 19, 12:00am -
  • 3 Ways Health Insurance Protects Your Personal Finances

    3 Ways Health Insurance Protects Your Personal Finances

    Medical care is expensive. And affordable health insurance can be difficult to find. But finding fund for the monthly premium in your budget can protect your finances in the long run. Alternative solutions like urgent care and prescription discount f…
    - 26 days ago, 30 May 19, 12:00am -
  • What Is an International Credit Card?

    What Is an International Credit Card?

    An international credit card you can use pretty much anywhere in the world. It’s a card that doesn’t charge foreign transaction fees and includes an international chip and PIN. Not all cards that work in the U.S. work when your traveling internat…
    - 27 days ago, 29 May 19, 12:00am -
  • What You Need to Know About the New Apple Credit Card

    What You Need to Know About the New Apple Credit Card

    The Apple credit card launches this summer, and it pairs the high-tech, app-based culture of the brand with some favorite credit card user perks. Before you join the flock likely to flood Apple with credit card applications, do your homework to make…
    - 34 days ago, 22 May 19, 12:00am -
  • The Top 5 Hiding Spots to Find Unclaimed Money That’s Yours

    The Top 5 Hiding Spots to Find Unclaimed Money That’s Yours

    Did you know that according to the National Association of Unclaimed Property Administrators, state governments collected $7.763 million in unclaimed property or money in 2015? And only $3.235 million made it back to its rightful owners. That left $…
    - 35 days ago, 21 May 19, 12:00am -
  • The Complete Guide to Buying a Vacation Home in Retirement

    The Complete Guide to Buying a Vacation Home in Retirement

    It’s been a goal for decades—a vacation home—and now it’s time to realize that goal. And while you should absolutely seize this opportunity, there are a lot of details to figure out before buying a vacation home during retirement. Here’s wh…
    - 41 days ago, 15 May 19, 12:00am -
  • How Does Google Wallet Work and Is It Safe?

    How Does Google Wallet Work and Is It Safe?

    Mobile payments—rather than a credit card, or check—are becoming more and more popular and more and more common. In fact, globally, mobile payments are expected to be almost $50 billion by 2021. Being able to use your smartphone or smartwatch t…
    - 42 days ago, 14 May 19, 12:00am -
  • Avoiding Medical Debt After a Cancer Diagnosis

    Avoiding Medical Debt After a Cancer Diagnosis

    Many Americans struggle with medical expenses. One in five Americans who have health insurance struggle to pay off their medical debt. For cancer patients with insurance, out-of-pocket costs can reach $12,000 just for one medication and average treat…
    - 47 days ago, 9 May 19, 12:00am -
  • What Is a Prime vs. Subprime Credit Score?

    What Is a Prime vs. Subprime Credit Score?

    When it comes to credit, approval is all in the number—the three-digit number that’s your credit score. Most lenders and credit card issuers use this number to determine your risk level as a borrower. In general, credit scores are categorized as…
    - 48 days ago, 8 May 19, 12:00am -

Make Love, Not Debt

  • 3 ways to Get Life Insurance Faster

    3 ways to Get Life Insurance Faster

    There are two main complaints when buying life insurance. One of them is the price, the other is how long the whole thing takes. In a fast paced world, who has time to wait to get insurance coverage? There are some quick ways you can trim down the pr…
    - 20 Mar 18, 1:07pm -
  • 3 Steps to Start your Small Business like a Professional

    3 Steps to Start your Small Business like a Professional

    You’ve got the dream, you’ve got the drive, and you’ve got the ability. You’re ready to get your small business up and running. Or at least you think so. Even the most talented individuals can overlook key aspects of starting a small business…
    - 6 Jan 18, 10:46pm -
  • 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 -

NASDAQ: Banking and Loans

  • Bank of America (BAC) 1st Quarter Earnings: What to Expect

    Bank of America (BAC) 1st Quarter Earnings: What to Expect

    Shutterstock photo The fear investors once had regarding a potential global growth slowdown, which caused a slump in financial stocks towards the end of 2018, has seemingly been forgotten. That, and concerns surrounding the slower pace of rising i…
    - 70 days ago, 15 Apr 19, 8:14am -
  • Why We're Keeping Our Finances Separate Even After We Get Married

    Why We're Keeping Our Finances Separate Even After We Get Married

    While some may think that having separate finances puts a marriage on the fast track to divorce — cough, Dave Ramsey, cough — my fiance and I are planning to keep ours mostly apart when we get married in December. Since we are already living t…
    - 83 days ago, 2 Apr 19, 8:33am -
  • What Your Bankability Says About Your Business's Sustainability

    What Your Bankability Says About Your Business's Sustainability

    If your small business is bankable and you need a loan, you'd go to a bank. But if you aren't and are considering online alternatives, be sure you fully understand the requirements of those
    - 11 Mar 19, 1:46pm -
  • Medical Bankruptcy Is Killing The American Middle Class

    Medical Bankruptcy Is Killing The American Middle Class

    Adobe stock A new study has found that a horrifying 530,000 families turn to bankruptcy each year due to medical bills they can’t pay. In the end, it’s easier to declare bankruptcy than to allow oneself to drown in medical expenses. That’s…
    - 14 Feb 19, 10:52am -
  • Alternative Lenders Firms Are Economic Multipliers. Here's Why

    Alternative Lenders Firms Are Economic Multipliers. Here's Why

    Stock market indices may have stabilized, but you wouldn’t guess it by speaking to small business owners around the country. For the first time in eight quarters, a  Florida Chamber of Commerce survey  of small business owners found that econom…
    - 12 Feb 19, 1:46pm -
  • Trump Is Deregulating Banks: Here's What That Means for You

    Trump Is Deregulating Banks: Here's What That Means for You

    During his 2016 campaign, President Donald Trump promised to roll back the Dodd-Frank Wall Street Reform and Consumer Protection Act, which stiffened the regulations placed on banks in the aftermath of the financial crisis. Trump managed to get movem…
    - 12 Feb 19, 8:47am -
  • Revisiting Commercial Mortgage Backed Securities with an Expert Lens

    Revisiting Commercial Mortgage Backed Securities with an Expert Lens

    The Institute for Innovation Development ‐ as part of our ongoing series of interviews exploring niche markets and innovative viewpoints from active asset managers ‐ recently talked with Craig Sedmak and Thomas Harney of Ladder Capital Ass…
    - 7 Feb 19, 10:46am -
  • The 2019 Banking Report Just Released: Americans Could Be Saving More - They Just Don't Know It

    The 2019 Banking Report Just Released: Americans Could Be Saving More - They Just Don't Know It

    Shutterstock photo Most Americans have bank accounts. But whether they have a good understanding of those accounts is up for debate, as findings from a new GOBankingRates survey suggest. GOBankingRates surveyed more than 1,000 Americans to learn…
    - 17 Jan 19, 8:36am -
  • The Benefits of Fintech Partnerships in Emerging Markets

    The Benefits of Fintech Partnerships in Emerging Markets

    By Andrés Abumohor In many emerging market economies, individuals cannot fulfill banking requirements, such as providing a credit history or collateral, in order to access lines of credit. This is true for a majority of small businesses in emergin…
    - 16 Jan 19, 10:55am -
  • This 'Tiny' Fee Will Cost Over $10,000 in Your Lifetime -- Here's How to Avoid It

    This 'Tiny' Fee Will Cost Over $10,000 in Your Lifetime -- Here's How to Avoid It

    With so many banks and types of accounts to choose from, it’s no wonder many Americans don’t know how to select the best bank option for them. GOBankingRates surveyed over 1,000 people to find out more about American banking habits and preferenc…
    - 15 Jan 19, 8:39am -
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NASDAQ: Credit and Debt

  • The Five Risks of Retirement

    The Five Risks of Retirement

    Shutterstock photo Retirement should be a happy time in life. In fact, recent “happiness” studies have shown that general happiness levels have a U-shape. They tend to bottom out in mid-life and then rise again to ultimately peak in old age. I…
    - 61 days ago, 24 Apr 19, 2:20pm -
  • Ballooning US Deficit Is A 'House of Cards'

    Ballooning US Deficit Is A 'House of Cards'

    More than once has President Trump boasted that his administration has accomplished an “economic turnaround of historic proportions”; but the sheer magnitude of the bill for his economic policies is beginning to become frighteningly clear. Indeed…
    - 74 days ago, 12 Apr 19, 6:48am -
  • The Biggest Problem In The Cashless Revolution

    The Biggest Problem In The Cashless Revolution

    Shutterstock photo Cash is cumbersome, dirty and increasingly too tangible for our digital desires. And while we’ve already given it up to a fair extent for the credit and debit card--it still means we have to wait in lines, and that’s so 1990…
    - 80 days ago, 5 Apr 19, 8:22am -
  • I Discovered the Downside of Credit Card Rewards

    I Discovered the Downside of Credit Card Rewards

    Do you read all those great articles about traveling for free or close to free? Me too. Most impressive to me were all these stories about families traveling by using miles they earned as rewards for using their credit cards. They made it look so eas…
    - 81 days ago, 4 Apr 19, 8:32am -
  • How To Talk To Yourself About Retirement

    How To Talk To Yourself About Retirement

    Shutterstock photo Retirement planning is an important topic for anyone who has been in the workforce. But when it comes to personal finance, saving and investing, knowing the right approach and executing that plan can be a daunting task. But i…
    - 82 days ago, 3 Apr 19, 7:58am -
  • Why We're Keeping Our Finances Separate Even After We Get Married

    Why We're Keeping Our Finances Separate Even After We Get Married

    While some may think that having separate finances puts a marriage on the fast track to divorce — cough, Dave Ramsey, cough — my fiance and I are planning to keep ours mostly apart when we get married in December. Since we are already living t…
    - 83 days ago, 2 Apr 19, 8:33am -
  • What Your Bankability Says About Your Business's Sustainability

    What Your Bankability Says About Your Business's Sustainability

    If your small business is bankable and you need a loan, you'd go to a bank. But if you aren't and are considering online alternatives, be sure you fully understand the requirements of those
    - 11 Mar 19, 1:46pm -
  • Medical Bankruptcy Is Killing The American Middle Class

    Medical Bankruptcy Is Killing The American Middle Class

    Adobe stock A new study has found that a horrifying 530,000 families turn to bankruptcy each year due to medical bills they can’t pay. In the end, it’s easier to declare bankruptcy than to allow oneself to drown in medical expenses. That’s…
    - 14 Feb 19, 10:52am -
  • Trump Is Deregulating Banks: Here's What That Means for You

    Trump Is Deregulating Banks: Here's What That Means for You

    During his 2016 campaign, President Donald Trump promised to roll back the Dodd-Frank Wall Street Reform and Consumer Protection Act, which stiffened the regulations placed on banks in the aftermath of the financial crisis. Trump managed to get movem…
    - 12 Feb 19, 8:47am -
  • The Week In Review: Consumer Credit Soft

    The Week In Review: Consumer Credit Soft

    The December Consumer Credit shows consumer credit growth remains soft, and if one removes student loans - and adjusts for inflation - then the year-over-year growth is lower than GDP growth. Also this week there are two missed data sets because of t…
    - 8 Feb 19, 2:20pm -

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.The pos…
    - 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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