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Blog Posts in 2017

  • Benefits of Declaring Bankruptcy

    As a Myrtle Beach bankruptcy firm, we often hear about the fears and drawbacks many clients believe about bankruptcy. Some of them are true, while others are wildly unsubstantiated flat-out false. However, one thing that many people have in common: they’re uncertain as to just how badly their lives will be affected going forward. However, what many of these people don’t realize is just how many ...
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  • Can I File for Bankruptcy if I'm Unemployed?

    If you lose your job, it’s easy to fall into a spiral of financial hardship. In today’s job market, it can be extremely difficult to find stable employment again, especially if you need to do so quickly in order to take care of your family. This means it’s also not uncommon for unemployment to lead to someone needing to declare bankruptcy. However, can you declare bankruptcy if you don’t have a ...
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  • Three Ways to Rebuild Credit After Bankruptcy

    One of the reasons many people staunchly refuse to consider bankruptcy as a viable method of debt relief is the belief that their credit will be irreparably ruined. This is far from the truth: while your credit will be impacted by declaring bankruptcy, most people’s rating has already been damaged so severely through late and missed payments that a declaration won’t actually hurt it that much ...
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  • Four Common Bankruptcy Myths Debunked

    Filing for bankruptcy isn’t really something that people want to go through, and many people have developed a lot of incorrect or misguided knowledge from a variety of sources. These common myths and misconceptions may be so engrained that they’ve taken root in social common knowledge, often encouraging more people to not even consider this option that they could otherwise benefit from. Here are ...
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  • Can I Buy a House After Bankruptcy?

    Home ownership is the dream for people everywhere, however those who are in financial trouble may feel as though they’ll never reach that point. When you’re struggling to make the payments you already have, it can be difficult to obtain a loan in order to purchase a home, let alone save up enough money to actually make a down payment. Yet we find that many people who are in this situation don’t ...
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  • What Bankruptcy Can & Can’t Do

    American case law is in a constant state of striking a balance between a business’ right to operate and an individual’s right to their own property. As a result, our nation has pioneered a forgiving and powerful consumer rights system, the crown jewel of which is our bankruptcy process. However, as powerful as it is, there’s plenty of misunderstanding about what it can actually do. Today’s blog ...
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  • How Bankruptcy Affects Your Student Loans

    There’s a common misconception that student loans are impossible to discharge. Granted, the test for discharging student loans is difficult, perhaps unreasonably so. Filing for student loan discharge is also cost-prohibitive—you’ll absolutely need an attorney to help you do it, but paying them is difficult for people who are unable to make their student loan payments. However, there are definite ...
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  • Resolve to Spend Better in 2017

    Don't let the new year create new debt and problems in your life. Create a personal/family budget in a spreadsheet as your New Year's resolution. 1. Start with your net income. 2. Next, track your spending over a month or two. Try and use cash or make sure to pay off any credit card balance each month. Too much card use can promote overspending. 3. Estimate your excess income each month. If there ...
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