The impact of mental illness is something that every member of a Pennsylvania family may feel. When a loved one struggles with issues beyond his or her control, it is an issue that could affect everything from how your family functions in daily life to your long-term finances. In some cases, mental illness impacts a person’s ability to make sound decisions and manage money, and this can lead to overspending, accumulation of debt and a range of other issues that may have negative long-term consequences. One of the effects of bipolar disorder is poor impulse control and periods of mania that can ..read more

There are many reasons why people prefer to shop online, including competitive pricing and ease of access. Online shopping has many benefits, but the convenience can sometimes lead to overspending and other issues that may eventually cause long-term financial problems. This seems to be especially true for users of Amazon prime, an online shopping service that offers free and fast shipping on many of their items for members.   It is both fast and easy to use Amazon Prime, but some say that this is a reason to be cautious. Amazon Prime users may quickly overspend, and they may find the ..read more

Most people experience financial hardship at some point in their lives, and sometimes, these circumstances can make it difficult to meet financial obligations. An unexpected setback can lead to late payments on bills, reliance on credit cards, accumulating credit and much more. If you find yourself falling behind, you may want to consider ways that you can regain your financial independence and stability. For some Pennsylvania consumers overwhelmed by debt, bankruptcy is a reasonable option that allows individuals to address their debt in an organized manner. However, a loan modification may b ..read more

When you are unable to manage your financial obligations, you may feel as if you will never be able to escape this situation on your own. Falling behind on your payments can result in an unmanageable debt burden that you are not able to correct on your own. Ultimately, this could lead to the possibility of losing your home, garnishment of your wages and other consequences. If you are not able to make your mortgage payments, you are facing the very real threat of losing your Pennsylvania home.  Thankfully, there are steps you can take that will allow you to reclaim your control over your f ..read more

Financial struggles are complex and overwhelming, and those facing these challenges may find that they are not able to address these matters on their own. Past-due debt and other financial struggles can lead to difficulties in virtually every area of life, and it may seem impossible for a Pennsylvania consumer to catch up on late payments without help. There are some options available to those in this situation, including filing for bankruptcy. This process could provide a way out for those who can no longer manage their financial obligations.  Filing for bankruptcy is a major decision, a ..read more

The loss of your job can feel like a devastating blow to you and your family. You will be without an income to support your loved ones, and you may not be sure what you will do to make ends meet. As a result, you could find yourself depending on your credit cards as a way to pay for your most basic needs, such as food, clothing, medical bills and more. This can quickly lead to overwhelming balances that you may not be able to manage on your own.  If you are struggling with a significant amount of credit card debt after a layoff, you are not alone. Many Pennsylvania consumers must rely on ..read more

Making the decision to seek legal assistance with your debt is a major decision that likely required significant time and consideration. Filing for bankruptcy is not a decision to take lightly as this could affect your future. While it can provide many benefits, there are reasons why you should carefully consider whether this is the best decision for your specific situation before you move forward. One of the most common concerns Pennsylvania applicants have regarding bankruptcy is the potential effect this can have on their credit score. Your credit will impact what you can do once the bankru ..read more

Making the decision to file for bankruptcy is not an easy one. You may have made this choice after a lengthy time of struggling to keep up with your payments and watching your unpaid balances continue to grow. Debt collectors, wage garnishment and threats of foreclosure may all be things you experienced as a result of your unpaid debt. By filing for bankruptcy, you found a way to make collection efforts stop and regain control of your financial situation.  For many Pennsylvania consumers, Chapter 13 is the ideal bankruptcy option. This choice allows one to make payments on his or her debt ..read more

When you are on the road, you are responsible for the choices you make while behind the wheel. Each person who chooses to operate a vehicle is accountable for any actions or decisions that impact others, especially if they result in injury or even death. Even if you are the safest driver on the road, you could still find yourself in a position in which you are suffering from the impacts of the poor choices of others. While you cannot control what others do while they are driving, you can take steps to protect yourself through defensive driving. Knowing how to drive in this way could make you m ..read more

Making the choice to file for bankruptcy is not easy, and it is likely that you are considering this option because you are struggling with the implications of overwhelming debt. If you are no longer able to manage your payments, you may benefit from the protections provided by this legal process. Like many consumers wanting to find a way out from their current financial circumstances, you might want to consider pursuing the Chapter 7 bankruptcy option.  Chapter 7 bankruptcy is a popular option for Pennsylvania consumers facing certain types of debt. There are strict eligibility requireme ..read more