Many people hope that creditors won’t keep knocking at their door forever. But, if you’ve stopped receiving collection efforts over the phone, online and in person, they probably haven’t given up just yet. After attempting to collect unpaid debts,...
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Six ways to not overspend this holiday season
With the holidays in full swing, many people are eagerly hitting the stores and trying to come up with the perfect gifts for everyone on their wish list. With stores offering sales and coupons, it may seem like getting a good deal is easy to do around this time of...
How to rebuild your credit after a bankruptcy
Many people worry about what filing for bankruptcy does to your credit score — but, filing can save you from the significant credit hits and financial ruin that come with foreclosure, lawsuits, repossession and wage garnishment. If you are worried about...
Ways to get a mortgage with bad credit
Finding out your credit is poor does not mean you suddenly turned from a good person to a bad person. The thing with bad credit is, it can make life a little more frustrating, but it is manageable. First off, with a lower credit score you will find it will be harder...
5 tips for working through probate disputes with family
After losing a loved one, strong emotions and extended periods of family time can spark rivalry and conflict. Probate disputes often pop up in these situations or in families that have long-standing conflicts. Try a few of these peaceful ways you can resolve family...
Tips for avoiding consumer debt problems
High amounts of debt are directly related to anxiety and depression. Peace of mind is drained when your thoughts are consumed with worry about how you will repay your financial obligations. Unfortunately, depression can make you inactive and shut-down, avoiding...
Two basic types of Texas probate
Probate, the administration of an estate following an individual’s death, is handled differently in Texas than most of the rest of the country. The state has two kinds of formal probate. One is a procedure, called independent administration. The other is a...
Only 4 of 10 adults have an estate plan
It's a fallacy that creating a will is difficult, complicated and overwhelming, but many people don't seem to want to address this issue because it also touches upon their mortality. Many think they will live forever, or put off estate planning for another day because...
When are you likely to have the most debt?
It is not uncommon here in the U.S. to carry a fair amount of debt. In fact, depending on your age, it might be especially common. A recent analysis looked into the debt averages of different age groups. It sheds light on what age-range sees a particularly large...