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Bankrate: Credit Cards

Bankrate: Loan

Bankruptcy Information

  • Veterans & Bankruptcy: Do I Lose My Benefits if I File Bankruptcy? NO!

    Veterans & Bankruptcy: Do I Lose My Benefits if I File Bankruptcy? NO!

    Do you ever wonder how bad rumors get started?  Bad headlines don’t help. Congress is considering the Honoring American Veterans in Extreme Need (HAVEN) Act.  Part of the HAVEN Act will correct an injustice suffered by many U.S. vets who receive…
    - 78 days ago, 29 Jul 19, 1:14pm -
  • 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…
    - 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…
    - 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 -

Credit.com: News + Advice

  • 8 Credit Rules Everyone Should Follow

    8 Credit Rules Everyone Should Follow

    Credit cards are easy to come by and even easier to use. If you let your spending get out of control or take on too many loans, you could face big money troubles. On the other hand, you want to spend enough to improve your credit and keep it in a goo…
    - 5 days ago, 10 Oct 19, 12:00am -
  • I Was Denied an Auto Loan. Now What?

    I Was Denied an Auto Loan. Now What?

    You’re in the market for a new car but you’ve been denied an auto loan. Now what? Here’s what you need to know about why you may have been denied and what to do to make sure it doesn’t happen again. Why Do I Keep Getting Denied for Auto Loans…
    - 6 days ago, 9 Oct 19, 12:00am -
  • October 15 Tax Filing Deadline

    October 15 Tax Filing Deadline

    The annual deadline to file your federal income tax return is typically April 15. If you miss this deadline, there can be consequences, but the type of penalty depends on several circumstances, including: Did you request a tax extension? Do you quali…
    - 8 days ago, 7 Oct 19, 12:00am -
  • How Does a HELOC Affect a Credit Score?

    How Does a HELOC Affect a Credit Score?

    Yes, home equity lines of credit (HELOC) can have an impact on your credit score. Whether that impact to your credit score is negative or positive depends on how you manage your HELOC. It also depends on your overall financial situation and ability…
    - 13 days ago, 2 Oct 19, 12:00am -
  • Can Private Student Loans Garnish Wages?

    Can Private Student Loans Garnish Wages?

      The average student loan debt has risen to $31,172, which can be a heavy weight over individuals who are ready to move on and experience life. Ignoring student loan payments for more interesting pursuits may be tempting, but defaulting on your stu…
    - 14 days ago, 1 Oct 19, 12:00am -
  • Does Deferring Student Loans Affect Credit?

    Does Deferring Student Loans Affect Credit?

    With the average student loan debt for 2017 graduates creeping up to $28,650 and the total student debt hitting $1.52 million and climbing, those big payments are budget busters for Millennials and Gen Xers alike. One option to delay paying you…
    - 15 days ago, 30 Sep 19, 12:00am -
  • Your Secret Credit Weapon: The Chargeback

    Your Secret Credit Weapon: The Chargeback

      Credit cards can open numerous doors of opportunities, and many even offer great cash-back rewards. But credit cards can also give you a good defense against untrustworthy online sellers. In the event of a dispute with a merchant, it provides the…
    - 19 days ago, 26 Sep 19, 12:00am -
  • Credit Union Vs. Bank Mortgage: Which Should You Choose?

    Credit Union Vs. Bank Mortgage: Which Should You Choose?

      You’ve saved up your money, you found the perfect house, and you’re ready to buy. Now you just need a mortgage. Commercial banks may be the obvious choice, but they aren’t the only option for your mortgage. Mortgage brokers, online mortgage…
    - 20 days ago, 25 Sep 19, 12:00am -
  • How to Prepare for a Recession

    How to Prepare for a Recession

    No one can really predict when the next recession will hit, but data shows that the US experiences recession, on average, every three years. Since the Great Recession ended ten years ago in 2009, some experts suggest we are overdue for another recess…
    - 21 days ago, 24 Sep 19, 12:00am -
  • What Happens to Your Unpaid Debt

    What Happens to Your Unpaid Debt

    If you default on a credit card, loan or even your monthly internet or utility payments, your account could be sent to a debt collection agency. Unpaid debts sent to collections hurt your credit score and may lead to lawsuits, wage garnishment, bank…
    - 26 days ago, 19 Sep 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…
    - 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…
    - 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

  • Ultra-Long Bonds Look Like A Solution But Are Just Another Symptom of the Real Problem

    Ultra-Long Bonds Look Like A Solution But Are Just Another Symptom of the Real Problem

    One of the most common mistakes among investors, businesses and consumers is the assumption that whatever conditions prevail at any given moment will persist forever. That belief is largely responsible for the fact you and me, the public, tend on ave…
    - 47 days ago, 29 Aug 19, 9:26am -
  • Per Capita World Debt Has Surged To Over $200,000

    Per Capita World Debt Has Surged To Over $200,000

    Global debt is officially $184 trillion, which is 225% of global GDP. This is $86,000 for every person in the world, which is 2.5 times annual income. We estimate that official figures are understated by a factor of 2.5, so debt is actually $460 tri…
    - 83 days ago, 24 Jul 19, 1:45pm -
  • 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…
    - 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…
    - 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…
    - 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…
    - 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…
    - 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…
    - 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 -

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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