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 [...]
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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 [...]
Did you know that a new reform bill has been introduced on behalf of consumer debtors? Senator Elizabeth Warren and House Judiciary Chair Jerrold Nadler introduced the Consumer Bankruptcy Reform Act 2020, which will make improvements to current bankruptcy law. Improvements Include: Allowing student loans to be dischargeable through a debt-specific repayment plan Reduction in [...]
This has been a difficult financial year for most of us. In fact, some cities are also feeling the financial strain. According to an audit by the California State Auditor’s Office, the city of West Covina is now considered an at-risk city due to the decreased revenue from COVID-19. What Does This Mean for West [...]
If you are worried that all of your planning and budgeting is not enough to help your finances during the holiday season? You are not alone. There are ways for you to reduce or eliminate your debt during this holiday season. Bankruptcy Bankruptcy can provide a plan to repay your creditors or completely eliminate some [...]
2020 has been a difficult year for many of us, which has made money extra tight this holiday season. This is especially true if you have fallen behind on your mortgage payments. If you are worried about foreclosure, you want to move quickly but also safely. We also want you to be armed with the [...]
The holiday season can be stressful. This is especially true if you have received a court judgment against you from a creditor. In fact, you are probably worried about your wages being garnished. You are not alone. What is a Wage Garnishment? A wage garnishment from a judgment occurs when a court issues an order [...]