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In 1978 Congress passed the Fair Debt Collections Practices Act (FDCPA) to regulate the debt collection industry. The act was intended to eliminate abusive practices against consumers when attempting to collect debts. The...

When you finish up your bankruptcy case, you need to manage your finances carefully, so you do not incur too much debt again. Once you receive a discharge in bankruptcy, you must wait a full eight years to receive another...

One of the reasons people are reluctant to file for bankruptcy is the fact that the bankruptcy can remain on your credit report for up to ten years. This is a valid concern as most of us would like to be able to purchase a...

You may already have more debt than you can handle, and looking for ways to reduce your payments. Then you see the advertisements come across your social media feed or in your email  for services offering to improve your...

One of the greatest attributes of bankruptcy is its ability to help begin a new chapter in your financial life. A large portion of getting back on the right track with your finances is working to improve your credit score....