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You’re dealing with overwhelming debt. Every month, it gets trickier and trickier to make ends meet. You’d like to repay what you owe but need your paycheck to cover housing, food, utilities, transportation, and other living expenses. Then, your creditors force the issue by garnishing your wages and taking money right out of your paycheck...

One of the most persistent myths about bankruptcy is that it will ruin your credit forever. It’s true that bankruptcy stays on your credit report for quite some time, but remember, if you’re in a position where you need to file bankruptcy, you probably already have delinquent debt that is hurting your credit even more....

The calendar has rolled over to 2025, and that means it’s tax season. Some people are anticipating tax refunds and are already looking forward to growing their savings or making a significant purchase. But if you’re dealing with overwhelming debt, your tax refund might just be one more payment to keep your creditors at bay...

Make sure you understand your rights as a debtor Under federal law, people who are dealing with overwhelming debt have the opportunity for a fresh start. Fundamentally, that’s what bankruptcy is, and it’s an option to consider if you can’t keep up with your payments or pay down your debts. The bankruptcy process can be...

Bankruptcy is meant to be a way out for people stuck in difficult financial situations. If you’re dealing with overwhelming debt, there’s a good chance you’re also having trouble keeping up with your rent, endangering your housing situation. In those circumstances, it’s natural to ask whether bankruptcy can stop you from being evicted from your...

If you're considering bankruptcy, you're probably worried about how it will affect your credit score. Your credit score plays a big role in your financial life—it influences loan approvals, housing opportunities, and even job offers. It’s understandable that the idea of your score taking a hit can make bankruptcy seem intimidating. But while bankruptcy can...

It’s no surprise that Americans are struggling with debt, but recent reports have put some numbers to just how severe the debt crisis has become. As Business Insider reported, new data reveals that the average debt an American consumer holds is $104,215. That figure includes mortgages, auto loans, credit cards, student loans, personal loans, and...

If you’re considering filing for bankruptcy in South Carolina, you likely have questions and concerns. Among the most common questions we get is how bankruptcy will affect your credit report. One of the myths about bankruptcy that just won’t die is that filing for bankruptcy will ruin your credit forever. In our experience, bankruptcy is...

Filing for bankruptcy can be a challenging process. You need to gather and submit a great deal of information about your finances, and you need to interact with several people who play various roles in the process. One of the most important roles in that process is the bankruptcy trustee. Your guide to the legal...

Sometimes, old debts can simply seem to fade away. Perhaps they’ve been written off by the creditor as impossible to collect, or perhaps they are simply forgotten. However, unscrupulous debt collectors can sometimes bring those old debts “back from the dead.” It’s called zombie debt, and it can make a significant difference in your quality...