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Monthly Archives: May 2014

Credit Card Debt And Medical Debt

May 29, 2014 | Posted in Debt

The average American carries over $5,000 in credit card debt. Add that to factors like unemployment, medical illness or loss of a spouse and the things can quickly spiral out of control. A recent report suggested that medical debt is the number one cause of increased credit card debt and the reason for filing bankruptcy. […]

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Avoiding Student Loans

May 27, 2014 | Posted in Student loans

Many graduates leave the commencement stage with a degree in one hand and thousands of dollars in student loan debt in the other, but this doesn’t necessarily have to be the case. While we can’t always fully avoid the need to borrow to cover tuition costs, there are some things you can do to minimize […]

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Credit Card Considerations

May 22, 2014 | Posted in Credit

A recent study revealed that Canada is rated number two in the world for credit card use.¬† American isn’t far behind them. Financial experts agree that the use of credit is getting out of hand as even those who do carry it responsibly aren’t immune to spiraling out of control when financial hardship strikes. Here […]

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Contract Workers On The Rise

May 20, 2014 | Posted in News

As the economy is reportedly slowing, again, some analysis of the improved job market does show some interesting trends. While the unemployment rate has dropped in the last few years, much of that comes by way of temporary or contract labor. What does this really mean for employers and employees? Loopholes and Lagging One of […]

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Teaching Kids About Credit

May 16, 2014 | Posted in Credit

One thing many parents forget to do is to teach their kids about credit management. While some may instill the value of saving and budgeting, how to use credit wisely is often left untouched. To better prepare your child for their financial future make sure your child know a few key concepts about credit. How […]

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Common Reasons For Filing Bankruptcy

May 14, 2014 | Posted in Filing Bankruptcy

There are numerous reasons why someone would need to seek bankruptcy protection in order to resolve financial hardship and regain control. If any of these reasons apply to you, contact one of our Dayton bankruptcy attorneys right away to see if its the right choice for you: 1. At risk of foreclosure — filing for […]

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Family Summer Savings

May 12, 2014 | Posted in Money Management

Only a few more weeks until school is out and that means summer vacations are just around the corner. If you are looking to get some fun in the sun this summer and don’t want to break the bank or rack up tons of credit card debt, here are some tips for making your summer […]

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Bankruptcy Vs Foreclosure

May 9, 2014 | Posted in Foreclosure

Anyone that has a home with missed mortgage payments or the threat of foreclosure faces some tough decisions ahead. While letting the home continue into foreclosure isn’t a choice option, some people do choose it over bankruptcy for fear of the credit consequences. Unfortunately, this is usually the worst way to go. Credit Consequences When […]

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Ways To Stop Debt Collections

May 7, 2014 | Posted in Debt

If you have ever missed a payment on a debt you know all too well how quickly the creditors can start calling. Multiple calls a day, letters of harassment, and notices of credit reporting are all tactics you might have experienced. If you are tired of the debt collection calls, here are a few ways […]

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Chapter 7 Bankruptcy Conversion

May 5, 2014 | Posted in Chapter 7

If you are seeking debt relief through a Chapter 13 bankruptcy there are some things that can come up that may hinder your ability to sustain your plan payments. ¬†Maybe you lost your job, or got divorced, or even suffered a medical condition impeding your ability to earn a living. When your ability to maintain […]

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