This has been a difficult year for most of us. So, if you have found that your debt is growing beyond your control, you are probably considering options to help. If you are looking into debt negotiation as an option, there are several things that you should first consider. How Does Debt Negotiation Work? Debt [...]
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So far DRL has created 47 blog entries.
Are you considering filing for bankruptcy, but have been selected for a federal audit? You may not know if this is relevant to your case. It is. And, you will need to disclose this information to your attorney, whether the audit has been completed or is still pending. How to Prepare for Your Audit: Get [...]
This has been an unprecedented year. Many people have found themselves out of work or working less than usual. So, you may be wondering what happens when your debt grows beyond your means to repay them. You may even be wondering if you can go to jail for not paying your bills. Does this sound [...]
We have discussed the importance of checking your credit score to make sure the information is correct. But, what happens if you find incorrect information? Inaccuracies on Your Credit Report A mistake on your credit report can be as simple as an incorrect spelling of your name or an incorrect address. But, you may find [...]
During these uncertain times, you may be concerned about rebuilding your credit. But, did you know that one way to rebuild is by using a secured credit card? Even if you are hesitant to open new lines of credit, using a secured card will show that you are able to build and maintain good credit. [...]
Have you heard of secured debt and an unsecured debt? Knowing the difference between these debts is more important than you might think. Understanding these differences will help you to prioritize paying off your debts, borrow money, and/or ensure that any assets tied to your debts will not be taken if you fall behind on [...]
Have you been experiencing harder times than usual? You are not alone. In the wake of COVID-19, many people have been feeling the impact on their financial as well as personal lives. So, what can you do to keep on top of your credit and credit score during this difficult time. So, Do You Know [...]
Are you having trouble paying your bills? Considering filing for bankruptcy? If so, you might be wondering how this works if you are married. Worried about what will happen to your spouse if you file individually? Good news! Your spouse’s credit score and report will usually not be affected if you file individually. Individual Filing [...]
Considering bankruptcy? Do you believe that you will be receiving an inheritance? If so, there are important things to consider. Bankruptcy can be complicated. So, it is important to speak with an attorney about what will work best for you. In the event you become entitled to an inheritance within your bankruptcy filing, you will [...]
During these uncertain financial times, you may be motivated to make some positive changes to your spending. Your best bet is to stick to your budget, but what if you are not sure if you have the right budget in place? Ways to know that your budget just isn't working: You have been avoiding making [...]