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Tax season has arrived! Like every year, many people are looking forward to receiving a tax refund from the IRS. The tax refund is like a reward that people can use in many ways. But, if you're in major financial trouble and have filed bankruptcy, then that money can be the most valuable easy-to-liquidate asset that trustees can take from you. Why so? One of the ... Read more...




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Best 5 ways to keep tax refund when filing bankruptcy

Tax season has arrived! Like every year, many people are looking forward to receiving a tax refund from the IRS. The tax refund is like a reward that people can use in many ways. But, if you're in major financial trouble and have filed bankruptcy, then that money can be the most valuable ... Read More »

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Can you help to settle mortgage and credit card debts ...

I have a mortgage and $60,000 of credit card debt I am 6 months or more delinquent on. I can pay about $1,000 per month to settle these debts. I live in Illinois. Can you help ... Read More »

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4th of July 2016: How to celebrate freedom

The 4th of July is observed as a federal holiday in the United States. After all, it’s NATION’S BIRTHDAY! Independence Day celebration is a grand and colorful affair in the country with fireworks, foods, parades, and more. Wondering how to enjoy this wonderful day? Check this out. ... Read More »

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  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.
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