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7 Benefits of Filing Chapter 7 Bankruptcy

Seven

If you're drowning in debt, living paycheck to paycheck and constantly dealing with debt collectors, you need help. The simple fact is, you don't have to live this way. Ignoring your debt won't make it go away. And if you owe far more than you ...

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Federal Employee Identity Theft – Government Data Breach Puts You at Risk

Danger sign

Last week, the Federal government was hit by a sweeping cyberattack that put personal information of more than four million current and former Federal employees at risk. If your data was affected, you will be sent an email from opmcio@csid.com between now and June 19 ...

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Fight Back Against Private Student Loan Debt Collectors

Debt and depression

Student loans continue to be a significant burden on most college graduates. And for those who take out private loans, the financial implications can be much more dire. Private student loans usually come with much higher interest rates than federal loans and far fewer ...

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Chapter 7 Bankruptcy Doesn't Have to Be a Last Resort

Time is of the essence

Most people think of bankruptcy as a “last resort” option for those whose finances are so dire that there are no other options. But financial guru Steve Rhode, known as the “Get Out of Debt Guy,” is shaking up this philosophy. He says ...

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How Bankruptcy Can Benefit Your Retirement – Advice for North Carolina Seniors

Retirement

Debt can overwhelm you at any age or stage of life. If you lose your job, have unexpected medical costs, go through a divorce or experience any other major life event that drives income down and expenses up, you can find yourself in a tight ...

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Consumer Alert: Beware Student Loan Scams Preying on Recent Graduates

Scam alert

In North Carolina, 61% of college graduates have student loans. And among those with debt, the NC state average is more than $24,000 per student. Graduates from private Mid-Atlantic Christian University are among the state's most indebted with 91% of graduates leaving school with debt ...

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Good News for Those in Debt! It's Now Easier to Get Chapter 7 Debt Relief

Seven

The two most commonly used consumer bankruptcy chapters are Chapter 7 and Chapter 13. With a Chapter 13, you get on a repayment plan that allows you to catch up on your back debts. This is often preferable for those trying to save their ...

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Is Bad Credit Making Your Job Search a Struggle? Here's How to Make It Better

Job hunting

You know that you need a decent credit record to get a favorable interest rate on a car loan or mortgage or even to be approved, but did you know it can also affect your career? For those that are job searching now or plan ...

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How to Get Your Budget Under Control Using Bankruptcy

Budget

For those that are living under crushing debt, life is not fun – and it should be. If your phone is ringing all day with collections calls, your credit cards are constantly maxed out, and you consume every penny of your paycheck to pay ...

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North Carolina Unemployment Rate Ticks Up, But It's a Good Thing – Really!

North Carolina jobs

In April, the most recently reported month, North Carolina's unemployment rate moved upwards which is unusual since it was trending downward for quite some time. In fact, NC's April rate is higher than the national average, weighing in at 5.5% unemployment over the whole US ...

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