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The Mortgage Forgiveness Debt Relief Act of 2007 (MFDRA) offers relief to homeowners by exempting them from taxes owing on forgiven mortgage debt. Prior to this Act, any time a lender canceled a debt, the forgiven amount was considered income to the debtor and, therefore, could be taxable. Benefits of the MFDRA In difficult economic […]

Filing bankruptcy is often considered the last choice for debt relief because of its complexity and cost as well as the massive effect it has on the credit rating of the filer. However, while a last resort, it can get you out of debt! Bankruptcy is offered under Federal Law through the U.S. District Court […]

The Bankruptcy Means Test is one of the most significant changes implemented for Chapter 7 filers by the (BAPCPA) Bankruptcy Abuse Prevention and Consumer Protection Act, passed in 2005. Due to the new law, you may be required to use Chapter 13 instead of Chapter 7. What is It? Prior to the Bankruptcy Abuse Prevention […]

There is a direct connection between bankruptcy and credit report ratings; however, filing bankruptcy is not necessarily the end of the world. Sometimes, unexpected things happen, and with the current economic climate, there are many people experiencing financial difficulties. Finding a Solution If you find yourself looking for a solution to overwhelming debt, you are […]

Here are a series of FAQs and articles to answer questions on bankruptcy law, the types, rules and tips to help you decide if filing is right for you. Should You Consider Bankruptcy? You may be wondering whether you should consider bankruptcy to get your finances under control. You are also very likely stressed and […]

Household budget tools can help to get your personal finances back on track. Getting debt relief is just a step away. Take a few minutes now to consider the different ways you can take to get out from under overwhelming debt by using this guide. Debt Counseling Debt counseling can help get you back on […]

You can earn extra income to get out of debt in a variety of ways like: Getting a job (or a 2nd or 3rd job), the extra income is more immediately available as you would get a regular paycheck. You will incur extra expenses that will offset part of your earnings like extra gas to […]

Free debt relief advice & resources especially designed for people like you and me. Get the answers to your questions about day-to-day household budgeting, debt reduction, and more. Our help pages are designed for debt help and budgeting to help you get out of debt and stay out. Find out the worst money mistakes others […]

Finances got you down? We’re here to equip you with debt help for women no matter where you may be in your financial walk. You’ll find advice and tools for your specific situation and more here. Maybe you’ve just graduated from college and want to pay off student loans so you can begin your life […]