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My Wages Have Been Garnished, Is That Legal?

Creditors can legally garnish your wages under certain conditions and through court order or judgement. Although there are laws in every state concerning this issue, Federal Law takes precedence. Judgement creditors can garnish your income but are limited to 25% of your earnings after mandatory deductions or the amount of your weekly wage that exceeds 30-times the then-current minimum wage where you live, whichever is lower.

What Do You Do When a Relative Dies and Leaves Behind a Ton of Debt?

We’ve all heard the only two things guaranteed in life; Death and Taxes. Well, maybe we can add Debt to that list; Debt, Death, and Taxes or DDT for short? “DDT – is it really that bad,” you ask. It can be. Did you know that most folks who pass on to a better place leave debt behind? It’s true. What’s that old adage; “you can’t take it with you!” That makes sense, right? You can’t take your assets, and thus, you can’t take your debts either. So what happens to all this debt that’s left here on Earth? Well, that turns out to be a really interesting topic. So, let’s discuss this, shall we?

What to Expect at a Chapter 7 Bankruptcy Meeting With Your Creditors

Most folks who end up filing Chapter 7 Bankruptcy really have no clue as to what to expect. If this is your first-time filing bankruptcy or you are seriously considering it as your only way out, your only way forward, then you’d be wise to read this article and learn about the process. One requirement that many first-time Chapter 7 bankruptcy filers don’t realize is that a meeting with your creditors (a 341 hearing) is mandatory. It doesn’t matter if you are a business filing Chapter 7 Bankruptcy or an individual you must be present at the creditors’ hearing. First, your true and correct identity must be given to ensure all the records and creditor claims are in sync. Your bankruptcy trustee will then proceed and have questions for you. Your answers will be under oath and will become permanent in the court records.

Foreclosure and Bankruptcy – What Every Person Facing Foreclosure Should Know

If you are worried about losing your home to foreclosure and are getting behind on your mortgage payments, there are some financially strategic things you can do to save your home. It’s best to learn about the foreclosure laws in our state and understand the well-documented case law. You should probably immediately seek the professional advice of a bankruptcy attorney who has dealt with such issues if you want to prevent foreclosure.

How Does Unpaid Personal Debt Affect My Social Security Payments?

Did you know that there are some types of debt which can result in a reduction of your Social Security benefit payments? It’s true. Certain personal delinquent financial obligations (debt) can result in a garnishment of your social security checks, thus reducing your monthly benefit payments. You may be surprised to learn that this is becoming more and more common. It is rather disconcerting to learn that so many retired Americans are dealing with this problem.

How Can a Debt Defense Lawyer Help If a Creditor Sues Me?

If you are facing a lawsuit over a debt, you might want to seek the assistance of a debt defense attorney. Why? Well, perhaps you don’t feel you owe the money. You feel the amount is in dispute. Maybe the other party did not fulfill their obligations to you. You believe the creditor used unlawful harassment tactics to try to bully you into paying. There are many laws that protect consumers from rogue creditors and less-than-ethical contract collection companies.

How Can Bankruptcy Help to Avoid Wage Garnishments?

Wage Garnishments can be the kiss of death for consumers who are already barely scraping by. If your wages have been garnished and you feel like you are in this category, do not despair, you are not alone. It turns out that 80% of the employees in the United States are living paycheck-to-paycheck, and there isn’t anything left at the end of the month.

Can Bankruptcy Help Prevent My Car From Being Repossessed?

According to The Washington Post; “A record 7 million Americans are 3 months behind on their car payments” – February 2019. That title says it all. In other words, if you are filing bankruptcy and have missed your car payments, but you still want to keep your car, you are not alone. The Credit Union Journal has a recent article in the May 2019 edition titled; “In avoiding subprime auto loans, are Credit Unions shunning their roots?” It turns out that car loan defaults are once again at historic highs. This is a nationwide problem for lenders, and not just locally here in Ventura County or Los Angeles County.

7 Great Reasons Why You Should Plan For Death!

In 1789 Benjamin Franklin said that there are only two certainties in life – death and taxes. We all seem happy to talk about taxes, but less keen on discussing, or planning for our ultimate demise. It’s as if by talking about it we are somehow tempting fate. But it can bring tremendous peace of mind not only to the planner, but also to their loved ones to know that a well thought out programme is in place for their eventual departure. Here are 7 good reasons why you shouldn’t put off planning for it – old or young.

Boost Your COVID – 19 Retirement Planning With These Tips

Bear in mind that retirement savings are for the long run. The Coronavirus (COVID-19) is having a widespread impact across all elements of financial life, including retirement plans. The current global stock exchange turbulence, as a result of COVID-19, will undoubtedly be concerning for people whose retirement savings are spent partly or entirely during these volatile marketplace conditions.

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