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Bankruptcy Blog

Save-money

How to Save $1,000 Per Month

Jul 15, 2015 By: Mike Cibik

First, maybe your goal isn’t $1,000 per month. It might be $500 a month-and it might also be a higher number like $1500 per month. What you need to save depends on your financial circumstances (income, children, years to retirement, other financial needs, etc.). But let’s call your “number” $1,000 a month for purposes of…

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Is Your Bankruptcy Lawyer Trying to Torture You?

Jul 15, 2015 By: Mike Cibik

Like any other specialized profession, we tend to think and talk in jargon, and we forget that other people, including clients, aren’t always up to speed. Bankruptcy lawyers spend a lot of time working with and thinking about the Bankruptcy Code, which is the series of federal laws that govern what happens in any bankruptcy…

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The True Cost Of Paying Just The Credit Card Minimum

Jul 15, 2015 By: Mike Cibik

Bankruptcy can seem so scary or humiliating that lots of folks resolve to just keep paying the minimums on their debts.You know what it feels like to have more bills than you can pay. You don’t know how bankruptcy will affect you.It seems easier to stay the course, pay the minimums, and plod along. It…

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Is a Reverse Mortgage an Alternative to Bankruptcy?

Jul 15, 2015 By: Mike Cibik

Reverse mortgages can be a good option for older folks with debt problems who are “asset rich and cash poor.” A reverse mortgage is a mortgage in which a person, aged 62 or older, uses the equity in her home for a loan. The difference between a normal mortgage and a reverse mortgage is that…

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How To Get A Bank Account After Being Reported To ChexSystems

Jul 13, 2015 By: Mike Cibik

If you have ever been in trouble with your bank, you have most likely been reported to Chex Systems. Perhaps you’ve had some NSF checks, or maybe you closed an account without settling a negative balance with the bank. No matter the reason, once you are reported to Chex Systems, managing your finances can be…

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Can Tax Debt Help In Bankruptcy?

Jul 13, 2015 By: Mike Cibik

Overwhelming consumer debt and unpaid tax debt can feel like a one-two punch. To recover from the consumer debt hit, some consumer debtors must pass a means test and prove they are poor enough to qualify for bankruptcy relief. This can be a problem if household income is above median for the state. But, the…

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