Coming to the decision to file for bankruptcy can be a difficult decision. So, you want to be sure that you are taking the right steps before filing. A mistake in bankruptcy can make it difficult to achieve your fresh start. We want you to be in right place before filing. Below are a list of [...]
Are you in a bankruptcy or considering filing for bankruptcy? If so, you may be wondering what happens to your tax refund in bankruptcy. Tax Refunds in Bankruptcy It is important to understand that the court will treat your tax refund as property of your estate. The amount that the trustee requires be sent back [...]
With tax season approaching, IRS scammers are using a variety of methods to contact you. In fact, they are contacting people through regular mail, telephone calls, emails, or even text messages. Keep in mind that the IRS will not contact you via text messaging or initiate contact with you by email or social media. Protecting [...]
It can be incredibly difficult to care for a loved one with Dementia/Alzheimers or a disease that has rendered them unable to care for themselves. This is compounded when there is a large amount of debt tied to your loved one. Whether it is medical debt or something else, you may be wondering if it [...]
Tax season is approaching quickly. Are you ready? With the pandemic, a delayed tax season from last year, and stimulus payments, IRS employees are dealing with a lot. There has never been a better time to file early and electronically, if possible. E-filing is more efficient and faster than mailing in your taxes. You can [...]
Are you a homeowner that is struggling? Have you heard about Proposition 19? Prop 19 is also known as The Home Protection for Seniors, Severely Disabled, Families, and Victims of Wildfire or Natural Disasters Act. This Act has special rules to help eligible homeowners. There are two sections to Proposition, which will take effect on [...]
Student loan payments have been paused until January 31, 2021. However, that date is approaching quickly. Are you ready to resume your payments? When Are Payments Due? According to the Federal Student Aid website, you will receive your billing statement or other notice after January 31, 2021. Also, you should be aware that "[n]o payment [...]
Are you concerned about what to do about a charged off debt? Maybe you saw a debt marked as charged off on your credit report. This does not necessarily mean that you do not owe the debt anymore, so be careful. You also should be aware of how a charge-off works if you are in [...]
A credit score is a number that shows how likely you are to repay your debts. A credit report shows the factors that led to your score (credit accounts, credit cards, loans, credit limits, account balances and payment history). Are you worried about your credit score after 2020? Well, we have some tips and information [...]
As this year comes to a close, we are taking time to reflect on the year’s successes and setbacks. This year has brought on incredible changes to our daily lives and our finances. Do you feel like this year has negatively impacted your finances and credit score? You are not alone! What Positive Changes Can [...]
