When you find yourself in a serious situation in which your debts far exceed your financial ability to pay them, bankruptcy may be an option. But while this is not an easy decision to file for it, it is available to you. But what happens when you need to file again? Are you allowed to…

Running any size business is hard. But when you are self-employed as a sole proprietor of a small business (or if you work as an independent contractor) it can prove even more financially overwhelming – especially now, during the coronavirus pandemic.  Deciding to file for bankruptcy is never easy, but sometimes you have such significant…

The coronavirus pandemic has only compounded the already stressful healthcare costs with which many Americans have already been faced. With many people being terminated from their jobs or losing significant business due to COVID-19, and many of those same families dealing with increased costs in medical care, far too many families in the U.S. are…

Whether you have lost your job, overspent, stacked up mounds of medical debt, or have gone through a difficult divorce, there are many different things that can leave you in over your head with debt. While this debt can often be put under control by ensuring a new, strict budget or by consolidating debt, sometimes…

When you are living directly off of your paycheck or don’t have a lot of savings, being laid off from your job – even temporarily – can be devastating. If your Texas employer has reduced its staff (including your position), you may be exceedingly stressed about keeping up with bills, your mortgage, credit card bills,…

Although you can damage your credit by filing for bankruptcy, that doesn’t mean you aren’t still able to build it back up afterward. It’s always in a consumer’s best financial interest to have as high of credit as you can. There are many ways in which you can help to boost your credit. One such…

Making the difficult decision to file for bankruptcy involves a lot of thought. But when you are in a position in which you have mounting debt and lack the finances to pay anything off, it can sometimes be the right option for you. Filing for either Chapter 7 or Chapter 13 bankruptcy can help you…

Student loans are the second-largest type of debt, with about one and a half-trillion dollars owed by more than 44 million people. The numbers are astronomical. When you find yourself with crippling student debt, it can greatly impact your financial health and make it much harder to make ends meet. Unfortunately, student loans are not…

Whether you are a sole proprietor or independent contractor, running a business is no easy task. With so many factors in play, sometimes you may find yourself low on income and high on debt. When this happens it’s likely that you’ll want to protect yourself from creditors who will undoubtedly come after you for their…

As the coronavirus pandemic continues to plague the world, many things have changed in an effort to protect the safety of American citizens. One thing that you may have noticed is that many businesses are now requesting that you use a debit or credit card for purchases. Additionally, with the increase of online purchases over…