Automatic Stay in Bankruptcy
As soon as you file for bankruptcy you will be given something known as an automatic stay. This is true for both Chapter 7 and Chapter 13 bankruptcy and it will prevent creditors from filing civil lawsuits against you. It’s one of the reasons over 600,000 Americans file for bankruptcy every year and is a […]
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A Guide to Consolidating and Refinancing Student Loans
Student loan consolidation and refinancing can help you manage your debts, reducing monthly payments, creating more favorable terms, and ensuring you have more money in your pocket at the end of the month. But how do these payoff strategies work, what are the differences between private loans and federal loans, and how much money can […]
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How to Get Debt Consolidation Loans When You Have Bad Credit
Debt consolidation is one of the most effective ways to effectively manage debt. It can greatly improve your debt-to-income ratio and help you get back on your feet. You will have more money in your pocket and less debt to worry about, and while your options are a little more limited if you have bad […]
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Personal Loans After Bankruptcy
Bankruptcy is not the end of the world. In fact, while it is more difficult to acquire loans and credit cards, it’s not impossible. In this guide, we’ll show you how you can get short-term loans and long-term loans even after you have filed for bankruptcy. Whether you have debt to repay, bills to cover […]
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Auto Loan: New Car vs Old Pros and Cons
There are over 25 million auto loans every year in the United States, with the majority of drivers using finance to pay for new and used vehicles. Car loans are some of the most common secured loans in the country and for many Americans, a car is the second most expensive purchase they will make […]
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What is a Payday Loan?
A payday loan is a short-term loan with a high annual percentage rate. Also known as cash advance and check advance loans, payday loans are designed to cover you until payday and there are very few issues if you repay the loan in full before the payment date. Fail to do so, however, and you […]
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Guide to Bar Loans: Pros, Cons, and More
It can take several months to prepare for the bar exam, and they are some of the most important months in an aspiring lawyer’s life. In that time, many students take preparation courses or devote all their time to studying and preparing, increasing their chances of passing the exam and taking that important step. Bar […]
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What are Short Term Loans?
Short-term loans are simply loans that must be repaid over a period of months, with a fixed term that is typically less than 1 year. The loan amount and interest rate varies, but generally, short-term loans are taken out during emergencies and cost much more than longer-term loans. Types of Short-Term Loan All short-term loans will move money into your bank account in less than a day, after which […]
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How to Get a Personal Loan (Application, Approval, Alternatives)
Personal loans are typically unsecured loans offering up to $50,000 with a term of up to 5 years. They come in several shapes and sizes and interest rates, fees, and terms can differ greatly, but the average personal loan in the United States is between $7,000 and $8,000 and charged at a rate of 11% and 12%. Steps to Getting a Personal […]
Read MoreCar Insurance Payment Discounts
One of the easiest ways to save money on your car insurance coverage is to pay for your auto insurance premiums upfront. By opting for a lump-sum payment as opposed to staggered, monthly charges, you could shave an average of 5% off your premiums. Furthermore, there are several other payment-based auto insurance discounts, all offering additional ways to save. Payment Discounts There are […]
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