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  • WHAT BILLS ARE DISCHARGED IN BANKRUPTCY? Utility Bills Utility bills are dischargeable in bankruptcy, but the utility may require you to pay a reasonable deposit within 20 days. Student Loans As a general rule, student loans are not dischargeable in bankruptcy. They can be discharged if, after the filing of an adversary proceeding, the bankruptcy court finds that it is a hardship on you ... Read More...
  • IMPROVE YOUR CREDIT SCORES If you find yourself with credit woes, your credit score may be the culprit. While improving your credit score will not happen overnight, there are steps you can take now to improve your score for the future. PAY BILLS ON TIME Paying your bills on time is one of the most important things you can do. This ... Read More...
  • WHEN CREDIT REPORT ITEMS SCARE OFF LENDERS You are probably aware of the obvious things that affect a credit score and can cause a lender to deny you credit – making late payments, collections, filing bankruptcy, or foreclosing on a house, for example. But there are several subtle credit issues that most borrowers do not realize are commonly used by lenders in ... Read More...
  • FORECLOSURES RISING Nationwide foreclosures, after a widespread lull in 2011, have been on the rise and many experts predict the trend to continue. According to a recent report from the foreclosure listing firm RealtyTrac Inc., the number of U.S. homes entering foreclosure for the first time has been increasing in recent months compared to last year’s figures. ... Read More...
  • BANKRUPTCY PROVIDES RELIEF FOR RHODE ISLAND’S INDEBTED CITIZENS CareOne Services, a national debt relief company, recently recognized Rhode Island as the state with the second most consumer debt per capita. According to Reuters, Rhode Island’s average consumer debt of $20,130 is only $100 behind Delaware for the dubious honor of having the “most indebted citizens.” Large amounts of debt, of course, do not always ... Read More...
  • BANKRUPTCY vs. DEBT SETTLEMENT Although there have been recent signs of recovery, it would be overly optimistic to say the ill effects of the recession are over. Many people across the nation are out of a job or underemployed in a job that does not fully cover living expenses. As a result, many Americans find themselves in desperate financial ... Read More...
  • WHAT THE CREDIT INDUSTRY DOESN’T WANT YOU TO KNOW Attorney Bob Jacquard has helped many people get a fresh start by filing Chapter 7 or Chapter 13 bankruptcy. In most cases, clients come in for a free consultation not knowing what to expect after they file for bankruptcy, because the credit industry has such a powerful marketing reach. If you are considering whether you should ... Read More...