• May 25, 2020

    Credit Card – Reduced Limit

    Has Your Credit Card Company Reduced Your Credit Limit? Your credit card company has reduced your credit limit.   This quickly puts you in a difficult position.   This credit reduction can damage your credit.  It can also render your credit card useless for further charges. Your Credit Score Has Already Gone Down If your credit card […]

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  • May 18, 2020

    COVID-19 Rent and Mortgage Payments

    During the COVID-19 pandemic, rent and mortgage payments immediately began to go into default.   Job loss and other interruptions pushed default rates to new levels.    These housing defaults will play out in a way that may cause record amounts of bankruptcy within the next year. Rent and Mortgage Payments Will Not Be Forgiven A growing […]

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  • May 12, 2020

    COVID-19 Indianapolis Bankruptcy

    COVID-19 PREDICTED TO CAUSE NEW WAVE OF INDIANAPOLIS BANKRUPTCY COVID-19 is predicted to cause a new wave of Indianapolis bankruptcy cases.  Consumer debt loads were already reaching record highs.   Indianapolis, now facing COVID-19 job interruptions, will likely see large defaults in debt repayment.   A new wave of bankruptcy will likely follow. CONSUMER DEBT RECORDS MEET […]

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  • April 8, 2020

    Using Retirement Savings To Pay Off Debts

    Should You Use Retirement Savings to Pay Off Debt? Using retirement savings to pay off debts is usually allowed by most 401k or IRA providers in an especially bad debt situation.  Is it wise to use retirement savings to pay off debts? The answer to this is usually “no.” It is generally a very bad […]

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  • March 25, 2020

    Refiling Bankruptcy in Indiana

    When Can I Consider Refiling bankruptcy in Indiana? Thinking about refiling bankruptcy in Indiana? Many people in Indiana find themselves needing to refile for bankruptcy.  Do not be worried. You are not alone! Indiana people frequently refile for bankruptcy.   If you need to file bankruptcy again, you almost certainly will be able to file […]

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  • March 11, 2020

    Debt Collectors Calling After Bankruptcy

    Debt collectors should not be able to call after bankruptcy.  Debt collectors who continue to call after bankruptcy are in direct violation of the bankruptcy code.  You have powerful options to shut the creditor down and even receive money for damages. Debt Collectors Cannot Violate the “Discharge” If you had a debt listed in your […]

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  • February 26, 2020

    Debts Sold to Collection Agency

    Debts are frequently sold to a collection agency.  Having your debt held by a collection agency can be a much worse position than just owing to the original creditor.  Understanding how debts are sold to a collection agency can greatly increase your credit-related knowledge. It will also help you understand how debts are collected. Concepts […]

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  • February 19, 2020

    Credit Score Changes Decrease Bankruptcy

    Major changes are coming to how credit scores will be calculated.  These credit score changes will likely make it more difficult for many people to obtain new credit.  This, in turn, will likely decrease the total amount of bankruptcy filings to some degree. People who historically have turned to bankruptcy may have a lower credit […]

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  • February 12, 2020

    Back Rent and Bankruptcy

    Depending on your situation, bankruptcy can affect the amount of back rent you owe in different ways.  It can sometimes be completely discharged through bankruptcy and go away forever with the rest of your debts.  Other times, the bankruptcy case may have very little effect on your situation.  Understanding back rent and bankruptcy can help […]

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  • February 5, 2020

    Indiana Home Values and Bankruptcy

    Indiana home values are surging even at higher amounts generally than the rest of the nation.  These home values increasing usually do not slow down the volume of Indiana bankruptcies filed.  In fact, sometimes the increase in value can cause more bankruptcy. With Indiana home values on the rise, Hoosiers will also be faced with […]

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