In some situations, it can be generally easy to get caught up with low introductory rates on credit cards. However, after the introductory period is over, many California consumers are stuck with high interest rates that lead to credit card debt. Consumers who have a...
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Foreclosure with Chapter 13 in California?
Bankruptcy can offer a homeowner needed relief when they are underwater in debt. Many California homeowners who elect to file a Chapter 13 bankruptcy are behind on their mortgage and need time to catch up. Generally, this type of bankruptcy allows a homeowner to make...
Holiday spending could lead to need for debt relief
As the holidays approach, many in California are finishing their decorating, planning their holiday menus and shopping for gifts for friends and family. For those who have had financial difficulties in the past few years, this Christmas may be very different from...
California credit card debt: Reduce expenses and increase income?
It's reasonable that consumers carry credit cards in case of an emergency. However, those cards can come with a hefty price tag that may become hard to pay off. There are ways that California consumers can use their existing income to pay off their credit card debt....
California personal bankruptcy: Student loans possible after?
It's a common occurrence that many people end up in a financial dilemma that leads them to file for bankruptcy. Many California consumers can be affected when it comes to student loans after filing for personal bankruptcy. Usually, it takes up to five years from the...
California program may eliminate debts for student loans
Borrowers have been drowning in student loan debt for a considerable amount of time. Each year, the amount of student loan debt in California keeps on rising. While student loan debt itself is generally not dischargeable in bankruptcy, certain borrowers may be able to...
California consumers can avoid holiday credit card debt
The holidays are right around the corner, and that means consumers are likely to increase their spending habits. Many California consumers are usually on the hunt for the perfect gift for their family members and close friends. It's important to exercise smart...
California programs may help stop foreclosure
The state of California has imposed a new law that may help struggling homeowners stay in their homes. The program called "Keep your home", has went into effect in an effort to stop foreclosure. Freddie Mac and Fannie Mae are two of the financial institutions that...
Stop creditor harassment in California through text messages
Sister collection agencies have received a large fine after sending millions of text messages to consumers for debts owed. Under the law, expressed consumer consent is needed before texts are sent. California consumers can avoid these types of debt collection...
California personal bankruptcy versus debt settlement
Negative financial circumstances can sometimes lead people to financial disaster. In order to keep their heads above water, some California consumers resort to filing personal bankruptcy. In some instances, creditors may offer to settle the debt for a fraction of what...