Keith Rucinski, Ch 13 Trustee, Akron, OH
At one time or another, most people will be asked to be a co-signer
Keith Rucinski, Ch 13 Trustee, Akron, OH
Some things remain on your credit after filing bankruptcy.
Managing your financial future is easier when you understand what is being said.
The Bankruptcy and Finance Information Network Exchange (BFINE) website compiles educational articles and information to help Americans learn more about personal finance options and make informed decisions for their financial future.
Too often decisions are made based on myths or fear instead of facts. No matter the financial situation, there are steps everyone can take toward financial security.
You are not alone. There are professionals willing to help everyone recover from unfortunate circumstances and financial mistakes.
When you make educated financial decisions, everything will BE FINE.
Keith Rucinski | Chapter 13 Trustee | Akron, OH
Many people prepare their own taxes each year. The Internal Revenue Service website has computer programs to assist taxpayers to file online. For people with only W-2 income, using computer programs are a quick and easy way to file taxes. However, life is not always easy.
Keith Rucinski | Chapter 13 Trustee | Akron, OH
One of the largest delinquent accounts on credit reports is unpaid medical debt. The Consumer Financial Protection Bureau, credit reports reflect unpaid medical debt of nearly $88 billion.
Jason Wilson Aguilar | Chapter 13 Trustee
Most of us at one time or another have financial difficulties, but what should you do if you are unable to make your auto loan payments? The key is to be proactive. You are not necessarily out of options if you are already delinquent.
Jason Wilson Aguilar | Chapter 13 Trustee
Yes, you can file a bankruptcy case without a lawyer. The real question is whether you should file a bankruptcy case without a lawyer who specializes in bankruptcy law. In my opinion, the answer to that question is no.
Keith Rucinski | Chapter 13 Trustee
The American bankruptcy system is designed to help the innocent person who has fallen on hard financial times earn a bankruptcy discharge (discharge is a legal term meaning to successfully complete a bankruptcy plan).
BFine Administrator
Managing your financial future is easier when you understand what is being said. Below are some of the key terms that are used with finance and bankruptcy.
For more definitions visit: Bankruptcy | Financial
Bankruptcy. It’s a word that evokes dread in many Americans. Why? Because it may feel like the end of the road, the last resort, the end, in a way, of the game of debt. But how does one know it’s time to file for bankruptcy?
The Biden administraiton has made it easier to file for bankruptcy and cover student loans. But is that a smart financial step? Fox 2 Detroit reporter, Roop Raj, dive into the new reglationgs regarding bakrupty and student loans in the United States.
Keith L. Rucinski | Chapter 13 Trustee
Bankruptcy Legend: I do not need a lawyer to file Bankruptcy, all I have to do is complete some forms. In the United States people can choose to represent themselves in court, including bankruptcy court. The term to represent yourself without counsel is “pro se”.
Whether you're stuck in a cycle of debt, earning too little to maintain your desired standard of living, or simply wanting to get a jump on saving for a major financial goal, such as buying a home or investing, you may need help to get on track with your objectives.
As someone who gets credit report notifications, you should be familiar with changes in your credit score. It is quite common for your credit score to fluctuate with minor increments. If you ever rejoice when your credit score increases, you are likely know the dread when it drops.
Times are challenging in America with the coronavirus. You may be experiencing the stress that comes with financial hardship and are considering a Chapter 13 bankruptcy.The purpose of this article is to inform you about the most important things about bankruptcy.
Melinda Opperman, President, credit.org
When people are struggling with their debts, they have a lot more options than they might realize. There are professionals, non-profit organizations, and free online resources available to help no matter how one’s personal finances look.
Bankruptcy can offer lasting financial relief to people struggling to repay their debts, but it comes at a cost. A bankruptcy filing can stay on your credit report for up to 10 years, flagging you as a risk to lenders. This can make it harder to get approved for new, affordable loans until you rebuild your credit. Here's how bankruptcy can affect your chance of getting a car loan.
A public education project of the National Association of Chapter Thirteen Trustees
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DISCLAIMER
The materials on this website are for general information purposes only and should not be construed as legal advice, legal opinion, or any other advice on any specific facts or circumstances. You should not act or refrain from acting upon this information without seeking professional advice.