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Bankruptcy Archives

Borrowing after bankruptcy to heal your credit: Part 1

The major downside of filing for bankruptcy is that it can hurt your credit score. This makes it harder to obtain refinancing, take out loans or start a business in the future. Because bankruptcy can leave a mark on your credit for the next ten years, you might be afraid to pursue it.

Ways creditors might harass you: Legal or illegal?

When you owe money from a loan or mortgage, you may suddenly find yourself in a mafia-esque situation. Creditors can seem to act more like mobsters coming to collect money for the boss. There are several ways – some illegal – that creditors can pressure you to pay up.

Ohio residents alarmingly more prone to medical debt

In causes of American debt, medical expenses are at the top of the list. Especially for patients going through a long-term health issue, healthcare bills can quickly pile up. Many people don’t have enough savings to cover the cost of an unexpected injury or condition.

Options for Ohio graduates with student loan debt

Many students decide to attend college or graduate programs to increase their chances of securing their dream job, or at least a stable income. Still, graduates often find that when they enter the job market, it can be difficult to get a position in their field, let alone one that pays enough to cover student loan bills.

What to do when foreclosure threatens your home sweet home

Ohio's economy, like most other states in the nation, has had its ups and downs. If you've been raising your family here for some time, you've probably faced quite a few challenges through the years, as the cost of living, housing market and employment rate (among other things) affects your daily life and long-term goals. Your family may have survived several crises, as well, such as medical emergencies or unforeseen circumstances that took a great toll on your finances.

Mistakes people make when paying down debts

Ohio residents who are struggling to pay down debt are not alone. According to data published by WalletHub, credit card debts for consumers in the United States are nearing their pre-2008 levels. As interest rates continue to rise, more and more people are turning their focus to paying off their obligations. The primary mistakes people make when trying to pay off debt are ignoring the root cause of the problem, continuing to use credit cards, creating new debts on new cards, worrying about credit scores and failing to stick to a plan.

Stagnant wages linked to surge in credit card delinquencies

Consumers in Ohio and around the country are finding it increasingly difficult to keep up with their monthly bills according to a report from the Federal Reserve Bank of New York. The New York Fed says that credit card delinquency rates in the United States rose in both the first and second quarters of 2017 and now sit at 2.47 percent, and financial sector giants including Discover, Chase and Capital One have all reported a sharp increase in the number of revolving debt accounts falling into arrears.

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