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Monthly Archives: October 2014

Finance Tips for Recent Graduates

October 30, 2014 | Posted in Money Management

When students graduate from college, they are often faced with many tough decisions about job choice, living situations, and finances. Once you have graduated, most student loans begin within six months, so it is important that you have a financial plan prepared before those payments begin. If your finances become unmanageable due to student loans, […]

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Navigating the Student Loan Waters

October 28, 2014 | Posted in Student loans

Agreeing to take on debt for school is a consideration that all job seekers must evaluate. Many jobs require some sort of degree as a prerequisite, and four year degrees can be especially costly. But the news is riddled with stories of how student debt just doesn’t pay off. Even for professional services degrees to […]

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What to do When You Can’t Pay

October 23, 2014 | Posted in Debt

Consider this scenario. Alice is a recent graduate of XYZ University and she has a liberal arts degree, with which at one point she thought she could do just about anything. Two years after graduation, she has a pretty good job with a company doing administrative work because she couldn’t find anything in her field. […]

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Filing Bankruptcy On Credit Cards Only

October 21, 2014 | Posted in Chapter 7

Can I file bankruptcy on only my credit cards? The reason that people want to file bankruptcy on credit cards only, and not on other bills, is because the credit cards are the only ones causing them problems. They are up-to-date on their car payments. They are current on their house payment. They don’t want […]

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Filing Bankruptcy On Student Loans

October 13, 2014 | Posted in Student loans

Can you file bankruptcy on a student loan? The answer is – most of the time – no. Sometimes, infrequently, the answer is yes. When you file bankruptcy, you have to list all your debts, including your student loan. However, most of the time the student loan will survive the discharge, meaning that you will […]

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Filing Chapter 13

October 10, 2014 | Posted in Chapter 13

Many people are interested in filing Chapter 13 for lots of reasons.  The number one reason why people file Chapter 13 is to save their home from foreclosure. In fact, hardly a day passes in my office that someone doesn’t call up asking for an appointment to talk about Chapter 13 bankruptcy to stop their foreclosure. […]

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How Bookstores Can Keep Thriving

October 9, 2014 | Posted in News

According to The New York Times, WND Weekly, and other news sources, brick-and-mortar bookstores remain in trouble. The Borders chain “liquidated its 399 stores” in 2011, and according to Washington Post reporter Brad Plummer, Barnes & Noble now closes 15-20 stores per year. In spring 2014, Liberty Media “[slashed] its stake” in Barnes & Noble, […]

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Recognizing Signs of Financial Addiction

October 7, 2014 | Posted in Money Management

No one intends to become a shopaholic or have other financial issues. Fiscal responsibility is a huge concern for most Americans, and the majority of people want to stay financially stable. However, no one is immune to financial addictions, no matter how invincible they feel. Financial addictions like shopping or gambling often lead to negative […]

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Chapter 7 and Chapter 13: The Basics

October 2, 2014 | Posted in Filing Bankruptcy

When making the decision to file for bankruptcy, it is important to weight your options and choose the financial route right for you. For many people, debt is unmanageable, and ultimately, it is no longer feasible to pay off loans and obligations. At this point, working with a bankruptcy attorney is vital, because it will […]

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