My wife has borrowed money from PayDayOne and now I've lost my job and have very limited income. The interest rate is 568%!

Every state regulates payday lenders. The interest rate sounds typical. Why does anyone use these payday lenders? Darned if I know.

Credit Union Reaffirmation Agreement Question (2 weeks post 341 meeting) BK7

All credit unions use a contractual term known as "cross collateralization." This agreement says that you essential pawn your deposit account...

How can I protect my finances from debts created by x-wife?

Oh the problems you can get by marrying the wrong person! When you opened up joint accounts with your "lovely" ex, the creditors had the right...

You charge me double i charge with amother $ 45 this month i had low bank balance that why they fine me $ 35

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I am almost 65 and will begin social security in March 2011. I am quitting my job in at the end of february 2011 . ($5860/ mo)

In most states, it takes at least 2 months before a creditor can get a judgment, and you should have plenty of advance warning. I don't see the...

Unfortunately, even if the Trust was solidly created, since it was created shortly before you filed bankruptcy, the Trustee can undo the transfer. ...

I'm rolling my 401k to an IRA, can creditors seize IRA monies?

No retirement is an exempt asset, so it doesn't matter if the money is in an IRA, Roth IRA, 401K or pension.

You will need to review your contract with Freedom Debt. In some instances, the debt settlement company can provide you with legal help when a...

Will my life insurance account be liquidated or be considered an asset in Chapter 13 or 7 or will it be protected?

Life insurance is an asset in Bankruptcy. If you file Chapter 7 and this asset is not exempt, most likely the Trustee will cash it in & use the...

For VA chapter 7 exemptions, I know I can keep $5000 worth of furniture but I read I can choose to keep $5000 more of a category

The Virginia exemptions are unusual in that they allow an extra $5,000 to be used if you do not claim a homestead exemption. In most states, this...