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Levels of student debt are higher than they have ever been for students and ex-students in California. However, discharging this debt in bankruptcy is nearly impossible. To help alleviate this problem, the American Bankruptcy Institute's Commission on Consumer...
Debt collectors in California and other states may try to convince debtors that it is in their best interest to pay off a debt. In most cases, debt collectors are trained to say whatever is most likely to solicit the response that they want. For instance, they may say...
Some people in California may be among the 1 in 7 nationwide who are surprised by medical bills from out-of-network providers despite visiting an in-network hospital. The incidence varies from state to state, with admissions that include at least one out-of-network...
You might currently owe more than one lender money. It is not uncommon, nowadays, for California residents to have multiple loans out at once. Perhaps you have a mortgage, a car loan and credit card debt. If you run into financial trouble, it can be quite challenging...
Escalating personal debt, unrepayable credit card bills and constant creditor calls may lead some Californians to think about their options for debt relief. For some people, personal bankruptcy can be an important way to work toward a new financial future. There are...
An individual in California can make as much money as he or she wants and still possibly be eligible to file for Chapter 13 bankruptcy. However, there are limits to how much debt a person can have at the time he or she files. An individual cannot have unsecured debts...
California residents who are struggling to keep up with their debts may benefit from filing for bankruptcy. However, it should be seen as a last resort for those who don't have any other options available. In the case of a short-term financial shortfall, it may be...
Many young people in California and nationwide are dealing with a growing debt burden. According to statistics released by the New York Fed Consumer Credit Panel and Equifax, people between the ages of 18 and 29 owe $1.05 trillion in debt. This burden is comprised of...
When you are no longer able to manage your debt and creditors are calling you at all hours about repayment, you may consider the benefits of bankruptcy. This is a process by which you can deal with certain types of debt once and for all, but you may be unsure about...
A California resident who is struggling with debt might want to consider several options before filing for bankruptcy. In some cases, it's possible to negotiate a payment plan with creditors. A debtor could also consider credit counseling. Some credit counseling...