Student loan debt stands at $1.7 trillion in 2021. About 69% of undergraduates borrowed student loans in 2019 and graduated with an average debt of $30,062. This includes both federal and private stud

All you need to know about the present student loan debt crisis

If you have recently lost a loved one, you may have to deal with the probate process. 
Probate is a legal process of determining whether or not a will made by a deceased person is valid. If the decea

What Are The Roles And Responsibilities Of The Executor In A Probate?

If you are a military personnel and serving the nation, you have the same rights as any other civilian to file for bankruptcy and urge for protection from intimidating creditors. There are no legal re

Can I file for bankruptcy while in the military?

What happens when you stop making payments on your credit cards?

Well, if you do so, its effects will become more adverse day by day! Once you are 30 days late, your creditors will contact you via 

Should You Pay Off Your 7+-Year-Old Credit Card Debt?

A brief summary of some of the laws administered by the United States Department of Labor (DOL) has been provided below. These laws apply to workers, job seekers, businesses, retirees, contractors and

US Labor & Consumer Laws: Best of the major welfare Acts

COVID-19 pandemic has changed our lives in almost every aspect! We are trying utmost to brace ourselves from this deadly virus!
Eventually, our priorities have changed. We are bound to change our age

Which Debt To Pay Off First During COVID-19?

Do you have unpaid credit card dues?
If yes, then you might be getting calls from your credit card company to make the necessary payments asap!
Usually, the credit card companies will reach out to y

Sued for credit card debt? Here's what you must do now

Collection accounts sparkle on your credit report for 7 years and 180 days. They&rsquo;re one of the worst types of negative listings on your credit report. Recent or new debt collection accounts can drop

What are collection debts and how to pay them off: 3 Tips to follow

 Trusts make an important portion of your estate planning and overall wealth portfolio.

The availability of several types of trusts, and their liabilities to become taxable in various ways and form

Do trust beneficiaries have to pay taxes on the distributions?

The COVID-19 pandemic has given a huge blow to the economic condition across the world. Many people are fearing job losses or pay cuts as they are unable to step out of their houses!
And let me tell 

How Much Stimulus Money Can You Expect And When?

Credit card debt is mostly unsecured, unless it is a prepaid credit card, or has any asset as a backing.But, a credit card coming with a backed up security or asset, is a &lsquo;one in a million&rsquo; chance

Can credit card companies seize my house, if I default?

You definitely need a cosigner if you are getting rejected for any new loan or credit line.A cosigner helps you to achieve a better chance of credit approval, by giving a guarantee to the lender or cr

Should you be hiring cosigners online?

Personal finance is a topic not quite faced with detailed explanations. Some money saving tips here, some debt pay-off talks there, and some investment phrases going on and off someplace else.To end s

Money smart and debt wise is all you need to become!

You must have thought of settling your debts, if you believe that paying off the total debt amount is not falling under your affordability, and/or the debt is a high priority obligation for you.You ha

Why is Debt Settlement not done, till done professionally?

Debt settlement gives you the opportunity to pay off your debts, by only paying a lump sum on the total owed amounts.This &lsquo;lump sum&rsquo; is a very interesting and intriguing word, that attracts many c

Make your way to a good debt settlement!

Debt is an important financial tool, made available to people, to help them counter immediate expenses and expand their opportunities.Sounds total got up, cock and bull case?!Well, we consumers have p

Increase net worth by identifying good debts and bad debts!

Retirement savings is priceless. No matter what the amount is.This money you have saved by working day and night for the past 30 or 40 years. I consider it to be no joke!But the game is not yet over. 

How to save your retirement money from thieves and goons

Tax refund for us is a big expectation while filing our taxes at the end of the tax year. Whatever we can pull back from the vaults of IRS, makes us a bit happy.But only a few of us actually know how 

Got a tax refund? See how to use it better!

What will stop a lawsuit? Debt consolidation or bankruptcy? Bankruptcy and debt consolidation are both very effective debt relief options. But, what if you are ongoing a lawsuit? What will be better f

What will stop a lawsuit? Debt consolidation or bankruptcy?

It&rsquo;s everyone&rsquo;s dream to live a carefree and limitless life! No bindings and no strings attached, just fly high!
But the moment you take a look in your pocket, and see a few dimes jingling, all y

How to lead a limitless lifestyle while having a limited budget

You can see from your own life, that how struggling it was to build sufficient wealth, and how hard it was to become financially independent. 


It&rsquo;s definitely not easy to let go of your finance

What to do when your kids want your money for big expenses!

Right now, I am very confused, as in, what to begin with. Bankruptcy or divorce? Both are difficult situations, and both have emotions attached to them!


This topic is intense! I will try to be as

What happens when bankruptcy and divorce clash?

So, you are in dire straits! 


You have hefty debt payments each month, and you have a job that pays you a lump sum, but you hate it as much you can, and want to quit it as soon as possible!




What to do when you want to quit your job, but you have debt!

It&rsquo;s just about time for all of us to jump into the Black Friday shopping festival. People will get all busy with their credit cards, debit cards, stacked up savings, and so on.


Some might shou

Fraud alert! Black friday can make you a victim of identity theft!

Collection agencies are not here to negotiate. They are paid to pull back the due amounts from you, and they will try their best to make you pay the total debt you owe, not even a penny less.Nearly al

5 facts you should know if debt collectors are over you!

When a debtor dies, the debts he owed in his lifetime, are not easily forgotten and forgiven.


The creditors will definitely search for something, which will compensate the debts owed. This someth

How are your debts dealt with when you die with no assets?

Our debts are not jewelry, that are precious, need to be kept safe and locked up. If we do so, then these debts will start growing heavier like cotton balls soaked in water.


Time is precious. To 

How to understand that your debts are going out of control

It is important to have not only a credit card, rather credit cards these days!The simple fact is, you miss out on great opportunities in life if you don&rsquo;t use credit cards.So where is the big deal,

When can a second credit card turn out to be good for you?

Our human civilization has seen several changes in law and regulation!The way we live today is very different from the way we used to spend our days some thousand years ago.Probably the first code of 

Will it be jail time if your debts are not paid in time?

Your credit card is a very important tool! If used wisely, it will surely save you in your times of financial emergency and crisis.But many of us are not happy with our credit cards. Some find it a me

Do you have the best card? Know which credit card you should get!

In order to file for bankruptcy, corporations and partnerships must hire an attorney. However, as per UScourts.gov, individuals may file a bankruptcy case and represent themselves in court without an 

Review: 3 Bankruptcy Software for Consumers

&ldquo;Shaming&rdquo;....... What comes to your mind when you hear this word? It&rsquo;s negative, dark, and tallies well with molestation!For some people, it is a wonderful way to get entertained by making fun o

Does debt shaming help debt relief or prevent it?

Using credit cards is always a costly decision, even though we use it for our daily purchases and need it every now and then!

Even though it&rsquo;s better to use debit cards (only swipe it at authoris

What costly credit card charges can hurt you real bad?

1. FTC has banned 300 companies providing debt assistance and home loans to consumers. It has also sued another 500 companies. Mortgage and debt relief service providers are prohibited from charging a

May Law Update: FTC guards you from 500 shady debt relief providers

While the ads pitch the promise of debt assistance, they rarely say assistance may be spelled b-a-n-k-r-u-p-t-c-y. And although bankruptcy is one option to deal with financial problems, it&rsquo;s general

Bankruptcy vs debt relief options - Who is the ultimate winner?

Bar loans are becoming a common tool for the law school students, to complete their degree successfully, and get their place in the State Bar Association!Bar examinations are costly, which might even 

How good and relevant can BAR Loans be for you?

It is in our human nature to come up with excuses whenever we fail at something and are shy to accept the fact! But how long can you carry on with your excuses?How long will you be able to avoid the c

Your excuses are not reasons for why paying off debt is hard!

Critical! Serious! Confusing! Troubling! Difficult!This is what &ldquo;Tax&rdquo; and &ldquo;Bankruptcy&rdquo; feel like!!You got any better adjectives to describe them?? Well, I don't!People file bankruptcy when the

25 Tax facts you should know before filing bankruptcy

Challenging the contents of a &lsquo;Will&rsquo; is a very hard job. It&rsquo;s a rare case scenario, but it happens!First of all, you got to understand whether or not the Will can be disputed. Because a Will is 

How much will it cost to contest a Will?

A very critical situation one faces in life is how much to save and how much to spend (including debt payments)! But there&rsquo;s actually no definite answer to that question!I can never tell you how muc

How saving money brings happiness in your life!

Today the Sun is shining bright!

I have cleared off my debts, my life has changed, and days seem relaxing more than ever!


But still, I sometimes have this strange jerk within me that triggers 

Dealing with financial fears even after being debt free!

2018 is going to be fun, and I can see that!I am planning to travel a lot this year and was doing a profound research on the places I can travel on a tight budget.Actually, there are several countries

Foreign budget destinations for 2018 that will satisfy your wanderlust!

You won&rsquo;t go looking for different debt relief options if your finances are in good shape. Isn&rsquo;t it? 



You have chosen a debt relief option, means you&rsquo;re in debt. Right? 



You have g

Debt consolidation: The road back to stronger credit

This year&rsquo;s shopping fiesta is hanging overhead, and guess what, Cyber Monday is on the charts!


It is nothing less than our dreams coming true. Like you can now buy that Macbook within $700, or

How to hack Cyber Monday 2K17 - Dos, Don'ts and Deals!

&ldquo;Every piece of Halloween is kind of a cool lesson in financial behavior&rdquo;

Candies, spooky decorations, horrifying costumes, trick or treats - these 4 words are enough for the kids to wait eager

Halloween: 5 Money lessons to make kids financially smart

Checking credit scores may be difficult at times. If there occurs a hard pull or a hard inquiry, your scores might fall down by a few points.

There is a division in the type of inquiry done on cred

The mystery of hard and soft inquiry and how to avoid one

Money on its own is said to be worthless. It is us who have assigned numbers to these papers, so that we can exchange it for general goods. Buying is what gives money its value. Otherwise it&rsquo;s intri

What you owe in your lifetime will scare you

Maintaining a good credit score is like taking good care of health, one way. You need this 3 digit number for nearly any new activity you want to initiate, be it taking out a home loan, buying a car, 

Focus on the basics to get 800+ credit score

&quot;For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows. -- Paul, 1 Timothy 6:10&quot;

Your menta

Bipolar & debt: Repairing credit when you are not on your own

Debt has earned a bad name since time immemorial. And it&rsquo;s quite obvious for people to consider it as an omen.

But is it so?

The reason is your financial obligations can limit your reach towar

The blessing in disguise: How debt fares in my life

These are very confusing yet crucial terms to be understood - debt-to-income ratio and debt-to-credit ratio. Before we head on to explain these terms, it is highly advised to have a clear concept on t

Debt-to-income and debt-to-credit ratio: Fundamentals with tips

It&rsquo;s a sad but true story. - and if you've even been a victim of identity theft yourself, you&rsquo;ll be able to relate.

Jason was overwhelmed beyond words as he received a letter stating his son&rsquo;

Does it make sense to file bankruptcy due to identity theft?

&ldquo;The whole point of credit cards, the way they are rendered most profitable, is that we dig ourselves into debt and stay trapped there forever.&rdquo;
 
In the present times, credit cards have become 

Credit cards for emergency fund - Risks associated and how to avoid

Owing taxes to Uncle Sam may cost your ability to travel overseas, provided you&rsquo;ve taken no preventive measures to tackle the crisis.What&rsquo;s the law?In December 2015, Section 7345 was enforced and 

Tax debt - New tax code could have your passport revoked?

Americans are leaving insurmountable amount of debt for their posterity. It&rsquo;s become a norm in this millenia. Recently, Experian, one of the leading credit bureaus of the country, said that over 70%

Death and debt - American indebtedness is wrecking families

&quot;We spoke of how President Trump failed to gather his party&rsquo;s full support and trample the Affordable Care Act or Obamacare once and for all. Now, he has accomplished one of his pre-election goals -

Can Trump stop government shutdown post-Obamacare defeat?

According to Donald Trump&rsquo;s economic adviser Stephen Moore, &ldquo;We&rsquo;ve borrowed more money under Barack Obama than we borrowed from George Washington through George W. Bush.&rdquo;Well, we cannot always

Bush or Obama: Who generated more national debt?

City's just a jungle; more games to play Trapped in the heart of it, tryin' to get away I was raised in the country, I been workin' in the town I been in trouble ever since I set my suitcase down - Bo

Trapped in debt cycle? 3 Top secrets to break it like a king

&ldquo;Good times are when people make debts to pay in bad times.&rdquo; - Robert QuinlinThe journey from debt to creating a savings fund once you&rsquo;re free from your all financial obligations is an interesti

From Debt to Savings: What you may expect from the journey

On May 4, President Mr. Donald J. Trump and his fellow Republican and Speaker of the House, Paul D. Ryan of Wisconsin have clinched their most debatable feat till date by winning the resolution in the

The American Health Care Act emerges post ACA demise

Whether investing in a business, filing a tax return or using a credit card, financial crimes have become an area of major concern for everyone. It&rsquo;s because scammers keep a close watch on your fina

What to do if you become a victim of tax fraud

Bill Gates once said, &ldquo;It's fine to celebrate success but it is more important to heed the lessons of failure.&rdquo; As millennials belong to the age group of 18-32 years, they achieve one milestone af

Top 5 money boo-boos that make millennials look silly

Filing Chapter 7 or Chapter 13 bankruptcy may not seem simple or attractive. The entire process of a successful bankruptcy discharge may entangle you into a complex array of paperwork before you could

Appalling bankruptcy myths you should bust now!

Divorce is already emotionally taxing. Plus, having a debt (such as a mortgage debt, credit card debts, or a car debt, etc.) is enough to rub salt in the wound. During separation, assets as well as de

REVEALED! The secrets to settle credit card debts in divorce

Medical emergencies can pop up anytime. What will you do if you face a sudden medical emergency? How will you pay the medical bills if it&rsquo;s more than what you expected?



You would suggest usin

Where to look for $1,000 to pay unexpected medical bills

The middle class should not continue to foot the bill for tax breaks for millionaires and billionaires. - Keith Ellison, Congressman, Minnesota

Tax breaks are an excellent financial windfall Americ

7 Expiring tax breaks will choke your paycheck more to death

Managing your monthly household expenses can overwhelm you. But you&rsquo;ve got to organize your finances, make life-altering decisions and follow a spending plan. Not every home-bred, self-styled financ

Smart Money - Your expert 50-20-30 budget buddy

Many of us want to live a frugal life so that we can get more money to pay off our debts. It&rsquo;s good if we&rsquo;re making an effort to become debt free by being pennywise.
But, if you&rsquo;re making impul

Living Frugal? Is there any place for impulse purchase?

Talking about money isn&rsquo;t easy. Actually, it&rsquo;s so hard for a few that they almost break down. Discussing money was once so hard for Sandra Hanna that she almost suffered a nervous breakdown while 

Your lofty aspirations may drive you into debt. What is the way out?

You might be making your lenders/creditors richer and yourself poorer if you&rsquo;re in a hurry to pay off your debts. Though debts are considered bad, sometimes paying them off at the right time make se

Are you paying off your debts too early? Yes? Wait!

President Donald Trump&rsquo;s fiscal policies like that of tax repatriation is expected to open up fresh avenues of employment for the economically-bludgeoned youth of America. But, the lion&rsquo;s share of

The Trump Tax Tempest: Would Repatriated Dollars Give You Job?

Credit cards play a vital role as long as consumer purchases in the US are concerned. A majority of Americans choose credit cards as their preferred mode of payment. Interestingly, credit cards have s

A Peep into the US Household Credit Card Debt

The following ideas could really pay off in the months ahead.

You should pat yourself on the back, if you&rsquo;ve successfully taken advantage of all the tax breaks you&rsquo;re entitled to. But, you can 

Tax planning: Hacks to save more money in 2017

STUDENT LOAN DEBT - These 3 words may haunt you if you have an overwhelming student loan debt.

Instead of getting nervous, check out President-elect Donald Trump&rsquo;s student loan forgiveness plan a

Is student loan debt an issue? Check out what Trump has in store for you

The task of money management with your spouse requires a lot of hard work. According to the American Psychological Association (APA), almost &frac34; of Americans experience financial stress at some time or

Is money the spoilsport in romance and marriage? Financial myths to beat always

Most of us have a notion that credit cards are bad and hence, will push us into debt. Isn&rsquo;t it? But, in most cases, it doesn&rsquo;t happen the way we think.

Credit cards can save you in dire situati

Credit cards: Your financial savior in a rental car accident

The triumphant Elephant has kicked aside the blaring Donkey. It&rsquo;s a shocking repudiation of the most powerful nation&rsquo;s established hegemony. With Hillary left to suck her wounds, country&rsquo;s most 

The Donald trumped Hillary's hope: What comes next?

If you are struggling with debt and wondering which debt relief option is best for you, then this post is for you. It would help you understand all the debt reduction methods and choose the best optio

How do you know which debt reduction method is right for you?

Being in your 20s was fun. However, once you&rsquo;re in your 30s, you begin to feel as if you&rsquo;ve come of age. As an adult, you&rsquo;re making more money as compared to the time when you did start after gr

Basic personal finance principles you should master by 30

To incorporate a business, a company must file its formation documents within the respective state government in which it is based. A corporation or LLC is created as per the incorporation rules and r

Incorporation: The basics of company formation

There is no doubt, that the amount of debt acquired by individuals have gained momentum after the Great Recession.

According to the Pew Charitable Trust&rsquo;s July 2015 report, &quot;80% of Americans are 

Is debt consolidation same as restructuring debt?

Let&rsquo;s face it, traveling on a limitless budget isn&rsquo;t everyone&rsquo;s cup of tea. But, that doesn&rsquo;t mean you can&rsquo;t go for a vacation. Of course, you can go vacationing with a limited budget.
Trav

Want to enjoy a romantic fall weekend getaway? Check these destinations...

Getting straight to the point, here are some of the instances, when you and I and most others fall into the trap laid out by our financial frenemies - people who pretend to be our friend, but wreak ha

Care and ignorance: Why and when not to mix money with friends?

The answer is YES. But, how does a student loan affect your debt-to-income ratio? To find out the answer, you have to go through this article.
You want to buy a house, a car, or maybe refinance your 

Can student loan sway your debt-to-income ratio?

Being bankrupt is a different ball game. By the look of it, you&rsquo;re in a total financial mess, even though your cancer has been cured. Still, it&rsquo;s a double whammy, where both your life and finances

Medical bankruptcy: The double whammy of cancer

In our country, the gender pay gap is at 64%, meaning women earn about 2/3rds of what men make for similar work. That's worse than what it was last year - when the gap was 66%. Our country now ranks 7

Women’s Equality: How to defend your financial wilderness now

Speaking of taxes, past performance is an excellent indicator of the types of deductions that a business usually enjoys each year. 
In the recent past, the Internal Revenue Service (IRS) has released

Amazing small business tax deductions you should never miss

You could be wrong with regards to your debt relief provider&rsquo;s probity and eagerness to bail you out of your financial crisis. This is because all the hard work put in by the consumer advocates to r

Debt Settlement Laws: Are your defense fool-proof?

Your FICO score says a lot about your financial whereabouts. While you may know the factors that affect your FICO score, you may not be aware of the factors that are never included in your FICO score.

10 Ingredients that don’t influence your FICO score

Much have already been discussed over the years about payday loans. Today we&rsquo;re going to uncover some myths that surround the payday loan industry and will try to make you aware of the facts.
But b

Few myths and facts surrounding payday loans

Nowadays, going green is in vogue. Do you know that going green would not only save the environment but also it can save your precious dollars? Yes, that&rsquo;s right! Now, you can get attractive tax bre

How can you save money on taxes by going green?

What will you gift your dad this Father&rsquo;s Day? How will you make him feel special? Well, whether you gift your dad a tie or his favorite bottle of cologne, make sure you spend time with him on this 

How to make your dad feel like your financial role model

Being in debt is dreadful. Anyone who has been in debt knows that feeling well. Debt is not that bad if you can pay it off within the given time. But, paying off debt on time is a tough job. However, 

Want to overcome money mistakes and get out of debt? Trust OVLG!

Usually, a judgment is the ultimate and often, the final stage of debt collection. Fortunately, there are ways to make things less painful for debtors.
A judgment is nothing but a decision made by a 

What happens when creditors win a civil suit against you?

The simple answer is NO! You have worked hard all your life to build a nest egg for your gray hair days. But now when you want to file bankruptcy, the thought of losing all your stockpile into the han

Will bankruptcy affect your 401(k) account?

Sticking to your household budget isn&rsquo;t tough. You just need to sew the holes in your pocket. Courtesy: Unnecessary and disorganized spending habits. Here are some of them:
1. Taking your kids to t

9 Ways you’re wasting household cash and should stop right now!

While writing my previous article on Paycheck Fairness Act, I came across something that my eyes couldn&rsquo;t believe. Where the Paycheck Fairness Act (PFA) announces that wage differentials shouldn&rsquo;t

Is Paycheck Fairness Act a curse in disguise for women?

Just like everyone else out there, you too perhaps have thought of enjoying a happy, blissful retirement along with your spouse. Just like your childhood days, retirement can also prove to be a glorio

4 Signs your kids have to take care of you in retirement

People have their individual perception about money. Hence, it&rsquo;s no surprise to have myths in abundance around us. These myths can be perpetuated by anyone - parents, relatives, friends, and even th

7 Money myths millennials can't stop believing and why you must

The greatest economic turmoil that swept through America in 2008 made survival tougher for many top-notch companies. A majority of company in America is still going through tough times and when there 

Andy Masaki

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