Hundreds of thousands of people file for bankruptcy each year to get out from under mounting debt. While declaring bankruptcy solves the immediate problem of not being able to pay your bills, it has consequences. Bankruptcy remains on your credit report for up to 10 years, which can greatly affect your credit rating. Therefore, it’s vital that […]
According to the National Center for PTSD, approximately 11 – 20 percent of military veterans that served during Operation Enduring Freedom (OEF) and Operation Iraqi Freedom (OIF) suffer from PTSD. While many of these veterans may suffer from many of the symptoms of this disorder, specific conditions, and criteria that must be met in order for […]
After you get hit in a car wreck, you deserve three types of compensation: 1) compensation for your injuries; 2) compensation for the damage to your car; and 3) compensation for the diminished value of your car. Unfortunately, most people don’t know that they can make a car accident diminished value claim, so they are […]
Every year there are 1.7 million rear-end collisions in the US, which comprises a whopping one-third of all motor vehicle accidents. Additionally, rear-end collisions result in 17,000 deaths and 500,000 injuries annually. In addition to following too closely, the main causes of rear-end crashes are speeding, distracted driving, driving under the influence, fatigued driving, heavy traffic, […]
Being involved in an auto accident is always unpleasant. It’s even worse when the person who hits you flees the scene. Unfortunately, this happens all too often. Drivers may flee the scene of an accident for a number of reasons, such as if they have a warrant out for their arrest or they don’t have insurance. Whatever […]
Even after the housing crisis that caused the Great Recession, homeownership remains one of the pinnacles of the American Dream. But for those who have started missing mortgage payments as a result of complications such as job loss, the government shutdown or hefty medical bills, foreclosure proceedings may be a looming threat. If you’re facing the threat […]
When it comes to debt, there are two terms that will often come up: insolvency and bankruptcy. While these two terms are related, they each have their own separate meanings. Essentially, insolvency means that a person or business has more debt than assets, whereas bankruptcy is a formal declaration that they can’t pay those debts off and […]
A shocking 37,000 Americans die in car crashes each year, and more than 2.35 million are injured or seriously disabled. These crashes are caused by just about anything and everything, but when analyzing the most common causes of car crashes, some clear patterns emerge. Read on to learn more about the top causes of car accidents and how the […]
The aftermath of a car wreck is stressful and frightening. Your car will likely sustain damage, but even worse, you and any passengers will likely suffer from injuries. If you get into a car accident caused by someone else’s negligent, reckless, or erratic behavior, never just assume that you’re fine. There are many injuries that may not […]
Every day, people die or get injured in car wrecks. While some of these wrecks truly are unavoidable, the vast majority could be avoided if the drivers stay alert, keep their attention on the road, and take the proper precautions while driving. If you don’t think that you would ever become a victim in a car […]
If you’re thinking about filing bankruptcy, you may have learned that certain debts are nondischargeable. If so, you’ve likely begun to wonder if your most pressing debts are dischargeable. This list is a guideline for what kinds of common debts are nondischargeable in bankruptcy. Keep in mind that there may be exceptions in the cases […]
Each year, around 800,000 Americans file for personal bankruptcy protection. The decision to declare bankruptcy can be a hard one, but even once you’ve made the decision, choosing between a Chapter 7 and Chapter 13 bankruptcy can be a challenge. It’s important to educate yourself on the pros, cons, and procedures of each type of bankruptcy so that you can decide […]
The U.S. Consumer Product Safety Commission (CPSC) has found that each year, millions of Americans receive injuries from faulty, defective, or downright dangerous consumer products. By analyzing data pulled from emergency rooms and hospitals around the country, the CPSC can discover what products are causing an inordinate amount of injuries and then lean on manufacturers and retailers […]
A number of factors can impact your credit score, and a good financial state does not necessarily mean a good credit score. The credit bureaus decide your score, and what you do with the credit you have available to you affects that score in a number of ways. Understanding what things have the biggest impact on […]
A good credit score can make life a lot easier. Ranging from the low 300’s to 900, a credit score allows lenders to see how responsible you have been in the past when it comes to managing your debt and paying your bills on time. The higher your score, the easier it is to obtain […]
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