How to Get Credit After Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit Under Control
How to Get Credit After Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit Under Control
According to the United States Bankruptcy Courts, the number of bankruptcies filed each year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13. Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years. A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates. In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit. Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction.
List Price: $ 24.95
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Free Yourself from Student Loan Debt: Get Out from Under Once and for All Reviews
Free Yourself from Student Loan Debt: Get Out from Under Once and for All
The average American college student owes about ,000 in loans after graduation. Quadruple that amount for the average grad school graduate. An estimated seven million Americans have accumulated nearly billion in student loan debt over the past 30 years. Not all of these borrowers are fresh out of college; many are in their late 20s, 30s, and even 40s. Indeed, the amount of student loan debt facing Americans is pervasive, if not problematic.
Fortunately, a number of creative ways exist to pay off this financial burden that, for many, goes on for years and years. In Free Yourself from Student Loan Debt, business writer Brian O’Connell outlines the best ways to do just that-as quickly and painlessly as possible. He guides readers through often over-looked but perfectly legitimate loan management techniques, including how to:
* “”Consolidate”” loans for easier (and lower) payments.
* Defer loans with no penalty.
* Take a “”break”” from student loans through a mechanism called forbearance.
* Get out of default status by making as few as six minimum payments.
* Fix problems that result when a loan isn’t paid, with no lasting impact on credit or finances.
* Convince financial institutions to “”forgive”” loans.
* Fight the government and financial institutions that claim student loan debts weren’t paid years after they were.
With wit and wisdom, O’Connell backs up his guidance with case histories, anecdotes, information boxes, sidebars, and colorful industry profiles-all packaged together in one lively, user-friendly book. As a bonus, he offers 50 surefire tips to eliminating student loan debt.
List Price: $ 16.95
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