Collectors only have a limited amount of time to collect on a debt.  That amount of time varies by state, and knowing your rights can greatly improve your negotiations with debt collectors.  Learn what the statutes of limitation are in your state. [ READ MORE ] Consumers who are considering filing bankruptcy are faced with a lot of questions and are often not sure what the advantages could be- if any. Besides the obvious advantage of not having the debt that hangs over their head everyday, are their any other ad [ READ MORE ] Bankruptcies can be called “reorganizations” or ‘liquidations”, depending on which type of bankruptcy you decide to do. Both a “Chapter 7” and a “Chapter 13” bankruptcy are federal court processes that are meant to assist businesses or consumers to get r [ READ MORE ] Nobody likes to get phone calls from collection agencies. Despite laws intended to protect consumers from harassment, most collection agencies make you very uncomfortable when they’re trying to get the money from you and will call you several times a day [ READ MORE ] MORE BANKRUPTCY ADVICE ARTICLES