Currently Browsing: Debt Management

OWNING A CAR IN CHICAGO MEANS SHELLING OUT MORE BUCKS

OWNING A CAR IN CHICAGO MEANS SHELLING OUT MORE BUCKS     We hear it all the time: How am I going to get around without a car?  It doesn’t matter if you’re just out of high school or a senior citizen, a car is fast...

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How Can I Keep My Things and Still File Bankruptcy

How Can I Keep My Things and Still File Bankruptcy?           I had a friend who recently shared with me that she once survived a tornado.  She was a child when it happened and lived in a rural area in the...

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If I Lose my Job, Should I Still Pay my Credit Cards

An unexpected job loss can seem like the end of the world.  After all, the next day in itself is a mystery!  And when it comes to personal finance, nothing is more devastating than a loss of income.  However, it’s not the end of...

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THE THREE Ps TO DEALING WITH CREDITORS

THE THREE P’S TO DEALING WITH CREDITORS         It’s totally normal to have a creditor lingering out there.  Maybe it was an cable bill that just didn’t get paid before the big move.  Maybe it...

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Your Credit Cards are Manipulating You…and How to Cut the Cord

It’s human nature to get emotionally attached to objects. Maybe for you it’s a seashell from your honeymoon thirty years ago. Or perhaps the tiny pink cap that your first child wore home from the hospital. For some, it’s that...

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Why Hire an Attorney to Negotiate Debts?

For some, negotiating a credit card debt or a hospital bill is like the blind date from Hell.  It’s a stressful and sweat-inducing situation.  You never know if the person on the other end will be nice or a complete pyschopath. ...

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Can I Own a Business with Bad Credit?

          Starting a small business is a scary thing. Most data shows that while 80% make it through their first year, only a 1/3 will make it to a ten year anniversary. Despite this, the same reports indicate...

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How Can I Keep my Credit from Preventing Me From Moving?

     I’ve heard the scenario a thousand times and I’ll hear it a thousand more: “I want to move out of my crummy apartment but my bad credit is stopping me!” In Chicago, rental companies tie credit to...

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Will Paying My Debt Help My Credit Score?

     Will Paying My Debt Help My Credit Score?   We’re raised on a few simple rules: Never talk to strangers. Eat your vegetables. Pay your debts. Nowadays though, we have strangers driving us around in random Honda...

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Should I File Chapter 13 Bankruptcy?

A Chapter 13 bankruptcy is a repayment plan that allows a consumer to restructure debt over an organized plan.  It’s an effective plan for people who are seeking to take care of a variety of debts, such as income taxes and parking...

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