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Personal Bankruptcy Archives

Supreme Court does not expand FDCPA for debt buying companies

The Fair Debt Collection Practices Act (FDCPA) was developed in 1977 to protect consumers from unscrupulous debt collection practices. Among its provisions, creditors are prevented from using abusive practices in the process of collecting debts, including using profanity and other harsh language when communicating with consumers, calling consumers at odd hours of the day and threatening to put indebted consumers in jail.

Beware of car financing scams after bankruptcy

A number of our readers may wonder what shopping for a car will be like for them after they emerge from bankruptcy. Specifically, they may wonder about qualifying for a loan at all, much less financing that they can reasonably afford. After all, they may be insecure about their credit rating as a result of a recent bankruptcy. These are legitimate concerns, especially considering how predatory lenders still operate in the used car market.

The basics of the automatic stay

People mired in debt may be afraid of losing their home or car, but the stress of constant phone calls from dogged collectors can be too much for one to bear. Fortunately, most debt can be eliminated through bankruptcy, and one of the principal benefits is the automatic stay. This post will describe what the stay is, how it protects debtors who have filed bankruptcy, and how it can be used to promote a fresh financial start.

How to responsibly pay down debt

Some people who are dealing with debt problems cannot fathom the possibility of seeking bankruptcy protection. They may believe that bankruptcy is only for cheats, deadbeats and financial failures; and since they do not fit into those categories, bankruptcy is not an option. While this notion may be noble, it may lead to terrible financial decisions when it comes to paying down debts.

The dangers of debt consolidation firms

You see the commercials now and again about people just like you who are trapped by crushing debt, unable to move on with their lives, or always living check to check. They also incorporate a consoling theme about it being okay to ask for help in getting out of debt through a debt consolidation plan. The ads may also end with a sentimental promise about how one phone call can put you on the path to a better life.  

Letting go of tax debt through bankruptcy

Tax season is certainly not fun for people dealing with debt. Not only are creditors breathing down their necks for payments they may not have, they may have to endure the possibility that they may owe income taxes at a time where most people are anticipating refunds. For many people, their income tax refund check is the largest check that they will receive all year (outside of their regular paycheck).

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