Practical guidance on debt, bankruptcy, and the financial decisions that matter most. Written by OVLG attorneys.
Wage garnishment can feel like a financial emergency when it’s for credit card debt. When up to 25% of your paycheck is being taken before you even see it, it’s real anxiety and financial stress. This guide will walk you through practical steps to protect your income, understand your rights and regain control of your finances when wage garnishment for credit card debt happens to you.
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The sad reality of bankruptcy is that those in debt can’t afford the solution to get out of debt. Many people wonder how to file for Chapter 7 with no money when they’re in this financial pickle. Chapter 7 bankruptcy gives you a fresh start, wiping out most unsecured debt. But between court fees, mandatory credit counseling courses and attorney costs, it’s not free.
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The CFPB pause affects your financial security. This might feel scary, but you’re not helpless—this is an opportunity to take control and fortify your financial defenses during this time of uncertainty.
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Are you drowning in debt? Are debt collectors calling you day and night? Bankruptcy might be your way out. It’s a legal process that helps you start fresh by discharging unsecured debt (which means legally wiping out debts like credit cards and medical bills that aren’t tied to property).
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Think retirement savings are out of reach on a tight budget? Think again. Even $50 or $100 a month can add up over time with compound interest and planning. Here’s your step by step guide to building a retirement nest egg, one small deposit at a time.
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Financial stress leads people to look for ways to deal with overwhelming debt. Two of the most common solutions are bankruptcy and debt settlement. According to the Consumer Financial Protection Bureau (CFPB)— you need to understand the financial, emotional and legal implications of each.
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Becoming a millionaire in your 20s is possible with the right mindset, skills and actions. The path starts with asking yourself tough questions and taking action on your answers. Research shows people who build multiple income streams and focus on personal growth build wealth faster. Success requires developing strong character— mental toughness and a mindset focused on continuous improvement.
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We think of personal finance as something that exists in a vacuum, apart from the economy. However national financial policies—especially those dealing with the national debt and debt ceiling—can, in fact, impact each of us individually through debt, taxes, inflation and even job security. Over the past couple of years, we have seen how personal finance and national policy intersect.
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