Student loans are often described as “non-dischargeable.” That phrase gets repeated so often that many people assume bankruptcy can’t help them with student loan debt. This isn’t entirely true. There is a legal pathway to discharging student loan debt in bankruptcy. It’s narrow. It’s demanding. But it exists, and it centers on one concept: undue […]
If you’re carrying student loan debt, you’re not alone. Millions of borrowers are juggling payments while trying to build a life, raise families, or simply keep up with the rising cost of living. For a long time, student loans felt different from other debts. They followed people for decades, no matter how hard they worked […]
It can feel shocking to open a letter or see a credit report entry showing student loan debt you believed was long gone. Many borrowers are genuinely confused, and often embarrassed, when an old loan reappears years later. This situation is more common than people realize, and it usually has little to do with carelessness […]
Bankruptcy is often misunderstood. Many people think it’s only for those who are irresponsible with money. Others assume filing means their financial life is over. The truth is far different. Bankruptcy is a legal tool designed to help people regain control, not punish them. Let’s take a closer look at 10 common misconceptions about bankruptcy […]
Running a small business comes with many challenges. Cash flow issues, unpaid invoices, and unexpected expenses can quickly overwhelm even the most organized business owner. When financial pressure becomes too great, bankruptcy may offer a way to regain control and protect what matters most. Understanding the options can help business owners make informed decisions about […]
Many people put off filing for bankruptcy, hoping their financial problems will resolve on their own. They may wait for a raise, a bonus, or a sudden influx of money. While the hope is understandable, delaying bankruptcy often makes debt problems worse. Acting sooner can protect your finances, credit, and peace of mind. Growing Debt […]
Divorce and bankruptcy are two of life’s most stressful events. Going through both at the same time can feel overwhelming. But with the correct information and support, it is possible to get through it and come out stronger on the other side. When financial struggles and relationship breakdowns happen at the same time, it’s essential […]
Filing for bankruptcy can help you eliminate many types of debt. But what about tax debt? The answer isn’t simple. Some tax debts can be wiped out. Others stay with you even after your case ends. Knowing the difference matters before you file. Here’s what you need to know about how bankruptcy affects tax debt. […]
Filing for bankruptcy can feel overwhelming. You may worry about losing everything or feel unsure whether you qualify. One part of the process that confuses is the bankruptcy means test. This test helps determine eligibility to file for Chapter 7 bankruptcy. Despite how technical it sounds, the means test is not as complicated as many […]
Filing for bankruptcy is a big decision. But it can also be a turning point. It gives you a chance to wipe the slate clean and start fresh. Life after bankruptcy doesn’t have to be hard. With the right steps, you can rebuild your credit and confidence. Here are 10 smart strategies to help you […]
