2013 Articles

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Frozen Bank Accounts

When a bank account is frozen, it is temporarily out of service. That means that while you can put money into your account, you cannot take money out. Any checks you write will not clear and any bill ...
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Difficulties of Refinancing for Seniors and Self-Employed

Mortgage interest rates still remain at all-time lows which make it smart to refinance a home at this time. Not everyone is eligible to take advantage of the low interest rates, however. Those who are ...
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Life Without Credit Cards

Many people abuse their credit cards, racking up debt until they find that they are in serious financial straits. The pay-now-deal-with-it-later mentality can cause this to happen since using a credit ...
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How to Prevent Your Home from Becoming a “Zombie House”

Zombies seem to be the new vampires as they have become increasingly popular on TV, movies and other entertainment formats. What some distressed homeowners may not realize is that they could be ...
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Even Florida Representatives are Feeling the Stress of Personal Debts

As Americans continue to struggle with underwater mortgages, high credit card balances, student loans and other personal debt, it is become more and more clear that no one is exempt from these ...
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When Might Bankruptcy Protection be the Right Choice?

It is understandable that you may be very worried about making a choice that could cause more harm than good if you are overwhelmed with debt. That is why you should speak with a bankruptcy attorney ...
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Florida Continues Highest Foreclosure Rate Trend

Florida had the highest foreclosure rate in the U.S. according to a recent report. Information compiled from CoreLogic shows that the state had the highest number of foreclosures, totaling over ...
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Payday Loans Can Lead to Lasting Debt

Payday Loans Can Lead to Lasting Debt Payday loans issued by cash advance agencies are small loans taken out against one's paycheck to tide consumers over until their next payday. Payday loan ...
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Credit Card Abuse: Customer Beware

Credit card abuse on the part of a credit card company can occur in many forms. These abuses can include creating major changes in the terms of your account in tiny print that most people fail to ...
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Deceptive Notices Worry Already-Stressed Debtors

New York Governor Andrew Cuomo issued a warning to citizens to beware of a misleading tax collection letters. Complaints have been filed statewide from people who already have overwhelming ...
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What You May Not Know about Your Credit Report

Your credit report, as issued by the big three credit reporting agencies of Equifax, Experian, and TransUnion, is used to determine your creditworthiness. The information that goes on these reports ...
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Illinois Homeowners Receive Settlements in Federal “Robo-Signing” Case

The "robo-signing" controversy began in late 2010 when homeowner advocates and foreclosure defense attorneys began looking into possible fraudulent acts committed by banks which held a large ...
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Do You Have Crippling Tax Debts?

It is fairly well known that certain types of debts such as student loans and tax debts can be very difficult to discharge through filing for bankruptcy. In some cases, all your debts except for taxes ...
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Bankruptcy Filings Down in Florida

According to statistics published by the U.S. Bankruptcy Courts, personal bankruptcy filings in Florida as of March 2013 have gone down by 13 percent from the previous year. This is in contrast to ...
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How a Discharge of Debt Can be Revoked in Bankruptcy

A personal bankruptcy relieves the debtor of unsecured debt that he cannot repay with a discharge of the debts listed in the bankruptcy case. These unsecured debts include such debt as credit card ...
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Chapter 13 Personal Bankruptcy in Georgia

The most common form of a personal bankruptcy in Georgia and across the nation is the Chapter 7 liquidation case, which involves liquidating assets to pay off creditors. Not everyone, however, is ...
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Credit Counseling and other Georgia Bankruptcy Requirements

In 2005, federal bankruptcy laws were changed. As part of the changes, those seeking bankruptcy, whether through a Chapter 7 or a Chapter 13 filing, are now required to complete a credit counseling ...
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College Graduates Face Serious Financial Difficulties Due to Overwhelming Student Loan Debts

Student loan debts can have wide reaching impacts on a graduate's credit and general financial future that he or she may not have anticipated. Most people seeking to attend college are unable to ...
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Long Island Not Sharing in Nation's Improved Home Prices

According to the Case-Shiller Home Price Index, the price of homes across the United States is up by nearly 10 percent over May of last year. Home prices in Long Island, however, are below the ...
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Know Your Options When Faced with an Upside Down Mortgage

Foreclosures across the nation are the lowest they have been in over six years. According to RealtyTrac, an online real estate tracking company, there were nearly 145,000 foreclosures in April this ...
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