What is debt collector misrepresentation?

If you find yourself in debt, you will also likely find yourself dealing with debt collectors. In most cases, they will follow the Fair Debt Collection Practices Act (FDCPA) well. In other cases, though, they may attempt to say or do things to get their money faster,...

How can you use a credit card responsibly?

Credit cards are an important part of establishing a solid credit history, which helps with home purchases and loan procurement. However, using credit incorrectly can lead to many poor financial outcomes, including bankruptcy. That is why you must use your credit card...

Calculate your credit utilization ratio today

Inflation has caused the cost of many everyday items to skyrocket, forcing many Massachusetts residents to scrimp. Obviously, though, you cannot scrimp on the essential items you need to survive. If you cannot pay in cash, it might be tempting to grab a credit card....

Boosting your credit score post-bankruptcy

Bankruptcy often gets a bad rap because too much focus centers on what you lose. However, this unique solution allows you to start over and improve your financial habits. One repercussion of filing for bankruptcy is its impact on your credit score. With the right...

Is Chapter 13 bankruptcy right for you?

Debt is a burden that can severely impact your life. When bills and loans pile up, it can seem impossible to get out of debt. If you are buried in debt, you may be considering filing bankruptcy. This can be intimidating, but it can be a positive step toward improving...

What contributes to business insolvency?

Running a business, large or small, is a massive endeavor that revolves around several key aspects of the market. Much of this is out of your hands, which is why it is important to understand the best strategies for reacting to them. Sometimes those factors risk or...