Loading...

Follow Hampton Roads Legal Services Blog | Virginia Fa.. on Feedspot

Continue with Google
Continue with Facebook
or

Valid

When purchasing a vehicle, most people don’t have the cash on hand to purchase the car. Instead they must get a car loan to purchase it. When this happens, the car becomes collateral for the loan, this is what we call "secured."

Now you've fallen behind on the payments which risks the immediate repossession of your car. Depending on the company, if you’ve missed one or more payments, you could walk outside to find your vehicle gone.   

       A repossession agent can break into your car and either drive it away or tow it. What we call repossession is a process known as "self-help." This is because the creditor can help themselves without going to the Court for permission. In most states the creditor doesn't even have to inform you that they are repossessing the car. There are a few things that you need to know about self-help though:

  1. A self-help repossession is not allowed to breach the peace. Meaning if the person repossessing the vehicle threatens violence, continues to repossess the car despite objections, or trespasses to gain possession, then the repossession is wrongful. 
  2. A creditor cannot repossess a car from an active duty military personnel when the car was purchased before the individual entered active duty service. This could even extend to a family member of an active duty military, but only if they apply to the court for an order that would prohibit the repossession of the vehicle. 
  3. Virginia is considered a curing state, which means that the creditor must give you the opportunity to pay off the deficiency before they can repossess.

When the creditor repossesses the car, their next option is to sell it and often it will be for an amount less than what you owe on it. If this is the case, then you may find the creditor getting a judgment against you for the remaining balance. That judgment will often times lead to a garnishment. This can lead to you owing thousands of dollars that you don’t have.

The next question is, “But what if the car has already been repossessed?” A creditor must give you notice that allows a “reasonable time” before they sell it. Ten days is usually considered reasonable time. This means that you have ten days in order to use a couple of different options.

  1. You could redeem the vehicle. This means that if you pay the full remaining amount due plus expenses you can recover the repossessed vehicle. Often this isn’t an option for people because they wouldn’t have fallen behind on the payments if they could pay full value for the car.
  2. You can attempt to negotiate with the creditor. When a car has very little value you have more of a bargaining chip because the creditor might prefer to work something out with you as opposed to the expenses of a sale that won’t even cover the loan.
  3. You can get your car back by filing for bankruptcy, even after it’s repossessed, if you do so before the creditor sells it. Choosing to do a chapter 7 would mean you would still need to redeem the vehicle but choosing to do a chapter 13 could set you up with a repayment plan that would allow you to keep your vehicle as well as the possibility of getting a lower payment.

You have options, and bankruptcy just might be one of them. 

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 
In order to get a divorce in Virginia, being separated for a set amount of time is one of the requirements you have to meet. This means you must be separated for at least 12 months, or if there are no minor children, you only need to be separated for 6 months if you get a Separation Agreement. Frequently when I am talking with a potential client they will tell me that they have been separated for such and such amount of time. My next question is always “Are you still in contact with your spouse?” I ask this really for two reasons, first I know that we have to notify their spouse that they are filing for divorce, so I want to make sure we can get in contact with them. However, the second reason, is it digs into the question I really want to know. Are they truly separated?
 
“Separation” quite literally means termination of cohabitation. So, the question I have is if you are still living in the same house are you truly separated? If you are still living under the same roof as your spouse, albeit in different bedrooms, it’s going to be really tricky to prove to the judge that you’ve truly been separated. One of the things you are going to have to provide when filing for divorce is a witness that can swear they know that you and your spouse have been separated for the right length of time. This doesn’t mean that you’ve told someone you are sleeping in different bedrooms. They have to know from their own personal knowledge.
 
Sharing the same bed and being intimate is only part of what makes up the marriage, the judge is also going to want to know about your finances and whether or not they are separate. You must ensure that you no longer go to social gatherings together as husband and wife, your bank accounts are separate and you aren’t sharing money, for just a few examples.
 
Upon realizing that you must start living separately, clients sometimes say, “I can’t afford to move out of the house,” or “we are trying to make it easier on the kids.” But what are you going to do once you get a divorce? If you will be moving out then, why not start now?
 
To put it simply: if you are living under the same roof, you will most likely not qualify as being separated, which means the clock hasn't started ticking for your separation. Can you live under the same roof and still be separated? Sure, but you will have to jump through a lot of hoops in order to prove you are actually separated. Isn’t it easier to not have to jump through all those hoops?
Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

So you have a bill from the IRS (or the State) for taxes owed. It’s only one of many bills that you have and you know there is no way that you can pay off all these debts. So you have made the decision to file a Chapter 7 bankruptcy. But will this do anything about the tax debt?

I’ll give you the really annoying lawyer answer: it depends. My husband hates it when he asks me a legal question and my response is “it depends”, he wants a yes or no answer. However, many issues in the law and especially bankruptcy or not that clear. There are many factors that will go into whether you can discharge or wipe out tax debt in a Chapter 7 bankruptcy. Here are some of the things that must be considered:

1. What tax years do you owe the taxes for?

2. Did you file the tax returns for that year?

3. Did you file the tax returns on time?

4. If you did not file the tax returns on time, when did you file the returns?

5. Has the IRS recorded a tax lien?

6. Has the IRS issued an estimated tax return?

7. Have you entered in

to an offer and compromise on these taxes?

As you can see, the question of whether you can discharge tax debt in a Chapter 7 bankruptcy is very complicated. If you owe taxes to the IRS or the state, you need to talk to an e

xperienced bankruptcy attorney about the taxes that are owed. It will help if you have the answers to at least the first four questions above. This will allow the attorney to determine if the taxes can be discharged by claiming Chapter 7 bankruptcy. 

A practical tip: if you have 

not filed tax returns for all the years that you are required to, do that right away. Many people don’t file a return because they don’t have the money to pay the taxes. Not filing a tax return is the worst thing you can do. Get them filed. If you need assistance with that, call us and we can refer you to an excellent tax preparer.
Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

So you have a bill from the IRS (or the State) for taxes owed. It’s only one of many bills that you have and you know there is no way that you can pay off all these debts. So you have made the decision to file a Chapter 7 bankruptcy. But will this do anything about the tax debt?

I’ll give you the really annoying lawyer answer: it depends. My husband hates it when he asks me a legal question and my response is “it depends”, he wants a yes or no answer. However, many issues in the law and especially bankruptcy or not that clear. There are many factors that will go into whether you can discharge or wipe out tax debt in a Chapter 7 bankruptcy. Here are some of the things that must be considered:

1. What tax years do you owe the taxes for?

2. Did you file the tax returns for that year?

3. Did you file the tax returns on time?

4. If you did not file the tax returns on time, when did you file the returns?

5. Has the IRS recorded a tax lien?

6. Has the IRS issued an estimated tax return?

7. Have you entered into an offer and compromise on these taxes?

As you can see, the question of whether you can discharge tax debt in a Chapter 7 bankruptcy is very complicated. If you owe taxes to the IRS or the state, you need to talk to an experienced bankruptcy attorney about the taxes that are owed. It will help if you have the answers to at least the first four questions above. This will allow the attorney to determine if the taxes can be discharged by claiming Chapter 7 bankruptcy.

A practical tip: if you have not filed tax returns for all the years that you are required to, do that right away. Many people don’t file a return because they don’t have the money to pay the taxes. Not filing a tax return is the worst thing you can do. Get them filed. If you need assistance with that, call us and we can refer you to an excellent tax preparer.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

If I suggested that you take a couple of one-hundred dollar bills and tear them up, you would probably think I was crazy. Especially at this time of year… who would do such a thing after Christmas, when money is already tight?? However, many people are throwing away money every year by not filing their tax returns on time, or not claiming the right number of exemptions on their payroll withholding. Every year I meet with many bankruptcy clients who tell me that they have not filed their tax returns for several years since they didn’t owe any taxes and would only receive a small refund. This is the same as tearing up a few one-hundred dollar bills! 

Are you surprised? Let me give you a better explanation of how this happens:

When you don’t file your tax returns on time, the IRS can access penalties against you. Those penalties could result in you losing the refund that is due to you (even if the refund is small). If your income is over a certain amount, you are required to file a tax return every year. Let me repeat: failure to file that tax return on time may result in the loss of the refund. While you can go back and file tax returns later, if you do not file the tax return within 3 years of the due date you will lose any refund that you might have been entitled to. If you fail to file tax returns for several years, the IRS will file a substitute return for you and those always show that you owe taxes even if you might have been entitled to a refund. Bottom line is, file your tax returns on time each year and get those refunds! A little money is better than no money, or (worse yet) owing money.

Another way that individuals throw money away is by having too much withheld for taxes. If you are receiving refunds of over a $1,000 (and the refund is not because of Earned Income Credit or Additional Child Tax Credit), you are overpaying your taxes. While it may feel nice to get that large refund every year, you are actually throwing money away. Wait, how does that work?

 If you increase the number of exemptions that you claim on your W-4, you will receive a smaller refund when you file your taxes BUT you will receive more money in your pay check. If you take that money and put it into some type of savings account, you will receive interest on the money. If you have a small number of exemptions and receive a big refund, the IRS is not going to pay you interest on the money you are overpaying them each year. You are missing out on the interest you could make by investing the extra money from your paycheck every month! It’s a simple case of delayed gratification versus instant gratification. The better option would be to avoid the big once-per-year refund in favor of a smaller refund, and instead have that extra money spread out over your paychecks.

If you are concerned about your financial future, you should consider meeting with a bankruptcy attorney to discuss your options. The extra money you get in your paycheck every month might just be enough to cover a bankruptcy payment to get you on the path to a completely fresh start.  You can contact us at any time online and we will get in touch with you on our next business day. Our phone line is always open during regular business hours if you prefer to call! 757-320-2010 

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

If I suggested that you take a couple of one-hundred dollar bills and tear them up, you would probably think I was crazy. Especially at this time of year… who would do such a thing after Christmas, when money is already tight?? However, many people are throwing away money every year by not filing their tax returns on time, or not claiming the right number of exemptions on their payroll withholding. Every year I meet with many bankruptcy clients who tell me that they have not filed their tax returns for several years since they didn’t owe any taxes and would only receive a small refund. This is the same as tearing up a few one-hundred dollar bills! 

Are you surprised? Let me give you a better explanation of how this happens:

When you don’t file your tax returns on time, the IRS can access penalties against you. Those penalties could result in you losing the refund that is due to you (even if the refund is small). If your income is over a certain amount, you are required to file a tax return every year. Let me repeat: failure to file that tax return on time may result in the loss of the refund. While you can go back and file tax returns later, if you do not file the tax return within 3 years of the due date you will lose any refund that you might have been entitled to. If you fail to file tax returns for several years, the IRS will file a substitute return for you and those always show that you owe taxes even if you might have been entitled to a refund. Bottom line is, file your tax returns on time each year and get those refunds! A little money is better than no money, or (worse yet) owing money.

Another way that individuals throw money away is by having too much withheld for taxes. If you are receiving refunds of over a $1,000 (and the refund is not because of Earned Income Credit or Additional Child Tax Credit), you are overpaying your taxes. While it may feel nice to get that large refund every year, you are actually throwing money away. Wait, how does that work?

 If you increase the number of exemptions that you claim on your W-4, you will receive a smaller refund when you file your taxes BUT you will receive more money in your pay check. If you take that money and put it into some type of savings account, you will receive interest on the money. If you have a small number of exemptions and receive a big refund, the IRS is not going to pay you interest on the money you are overpaying them each year. You are missing out on the interest you could make by investing the extra money from your paycheck every month! It’s a simple case of delayed gratification versus instant gratification. The better option would be to avoid the big once-per-year refund in favor of a smaller refund, and instead have that extra money spread out over your paychecks.

If you are concerned about your financial future, you should consider meeting with a bankruptcy attorney to discuss your options. The extra money you get in your paycheck every month might just be enough to cover a bankruptcy payment to get you on the path to a completely fresh start.  You can contact us at any time online and we will get in touch with you on our next business day. Our phone line is always open during regular business hours if you prefer to call! 757-320-2010 

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

The holidays are fast approaching, along with plenty of stress about your financial situation (there's a reason bankruptcy filings tend to jump in January). This is the time of year when many people begin looking for a few ways to make extra cash, whether by mowing a few lawns for your neighbors, picking up extra shifts at work, or even taking a job working retail at night. But for a large group of people, particularly salaried employees and stay-at-home moms, these options are not feasible. While searching for ways to make money from home, many of these people will come across multi-level marketing companies, which hype up their ability to improve your life by giving you suplemental income while sitting on your couch or bed. 

You have probably been invited to one of those home parties for some type of product, maybe jewelry, kitchen supplies, clothing, or even lingerie. You know that if you go, you will be pressured to buy something. You will probably also be recruited to either host a party or become a salesperson for the company. In many cases, you will be told that you can make lots of money by signing on as an “independent consultant”, “sales professional” or “business owner”. All you have to do is recruit others to join the company under you, and purchase similar product like you did. You will have an “amazing opportunity to become financially independent by supplementing your income with almost no work!

 It sounds so easy to supplement your income through this type of program but please beware: many of these MLM (multi-level marketing) businesses are scams. A recent news article caught my attention: it was about a popular clothing company that sells women's leggings. They claim to be helping women build their own businesses and establish financial independence, all while staying home with their kids or allowing them to quit a job they don't like. The problem is that many of the women who bought into this company are now coming forward to accuse the company of pushing them into bankruptcy. By forcing them to keep buying product (alledgedly so they can sell more product and recruit more consultants, of course), these ladies poured hundreds of thousands of dollars into their "business". When they were unable to sell the product, the company refused to support them or take back the product. They were stuck with mountains of debt and piles of clothes, when all they wanted was financial freedom and the dream of  running their own business. Bankruptcy was the only option for many of these women, since the parent company was unresponsive to the issue. 

While this is an extreme situation, and plenty of women are running successful businesses without filing bankruptcy, the sinister nature of many MLM companies will undoubtedly cause more bankrupties down the road. There are many excellent companies that operate with independent sales people who either sell products through home parties or directly to consumers. Mary Kay Cosmetics, Rodan and Fields skincare, and Pampered Chef have been around for years and operate (legitimately) under this type of structure. However for every legitimate business, there is always someone who promotes a similar type of program that is not legitimate. The names of these companies change from year to year, but the premise is the same. While Mary Kay, R+F, and Pampered Chef focus on selling the product (with recruiting new salespeople as a side benefit), many of the scam companies have little focus on selling the product and huge emphasis on the money to be made by recruiting others into the program.

Any program that has a focus on making money by recruiting others into the program is doomed to fail. Did you know that if you were to get involved in such a pyramid program, that encourages individuals to recruit just 6 other people, by level 13 the number of people that would need to be recruited would exceed the world’s population. Since you would almost certainly be joining the program at a level well below the top of the pyramid, there is little chance that you would be able to recruit enough levels below you for the program to be successful. No one wants to end up in bankruptcy because of a business scam that bottomed out.

If you have been approached by someone about joining a home based sales program, use these tips to check out if it is legitimate.

  1. Are you asked to make a large investment in products to join? You may find that it is impossible to resell these products to recoup your investment.
  2. Is the emphasis on selling the products, or recruiting other sales persons? A legitimate company will have an emphasis on selling the product.
  3. Are the products priced similarly to like products? While there may be a market for high end products, if the price is much higher than similar products, you may find yourself out of pocket for these items.
  4. Are the products something that will have repeat buyers? If you have to constantly find new buyers, you will run out of buyers eventually. 

Like any situation, if it sounds too good to be true, it probably is. Any type of successful business will take effort to grow. If someone promises that you can get rich while only working a couple of hours a week if you buy this entry package and then recruit some of your friends to also buy in, don’t do it. If you invest in this type of company, you could end up losing money and looking at bankruptcy as your only way out of a bad situation.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

You have probably been invited to one of those home parties for some type of product, maybe jewelry, kitchen supplies, clothing, or even lingerie. You know that if you go, you will be pressured to buy something. You will probably also be recruited to either host a party or become a salesperson for the company. In many cases, you will be told that you can make lots of money by signing on as an “independent consultant”, “sales professional” or “business owner”. All you have to do is recruit others to join the company under you, and purchase similar product like you did. You will have an “amazing opportunity to become financially independent by supplementing your income with almost no work!”

 It sounds so easy to supplement your income through this type of program but please beware: many of these MLM (multi-level marketing) businesses are scams. A recent news article caught my attention: it was about a popular clothing company that sells women's leggings. They claim to be helping women build their own businesses and establish financial independence, all while staying home with their kids or allowing them to quit a job they don't like. The problem is that many of the women who bought into this company are now coming forward to accuse the company of pushing them into bankruptcy. By forcing them to keep buying product (alledgedly so they can sell more product and recruit more consultants, of course), these ladies poured hundreds of thousands of dollars into their "business". When they were unable to sell the product, the company refused to support them or take back the product. They were stuck with mountains of debt and piles of clothes, when all they wanted was financial freedom and the dream of  running their own business. Bankruptcy was the only option for many of these women, since the parent company was unresponsive to the issue. 

While this is an extreme situation, and plenty of women are running successful businesses without filing bankruptcy, the sinister nature of many MLM companies will undoubtedly cause more bankrupties down the road. There are many excellent companies that operate with independent sales people who either sell products through home parties or directly to consumers. Mary Kay Cosmetics, Avon and Pampered Chef have been around for years and operate (legitimately) under this type of structure. However for every legitimate business, there is always someone who promotes a similar type of program that is not legitimate. The names of these companies change from year to year, but the premise is the same. While Mary Kay, Avon and Pampered Chef focus on selling the product (with recruiting new salespeople as a side benefit), many of the scam companies have little focus on selling the product and huge emphasis on the money to be made by recruiting others into the program.

Any program that has a focus on making money by recruiting others into the program is doomed to fail. Did you know that if you were to get involved in such a pyramid program, that encourages individuals to recruit just 6 other people, by level 13 the number of people that would need to be recruited would exceed the world’s population. Since you would almost certainly be joining the program at a level well below the top of the pyramid, there is little chance that you would be able to recruit enough levels below you for the program to be successful. No one wants to end up in bankruptcy because of a business scam that bottomed out.

If you have been approached by someone about joining a home based sales program, use these tips to check out if it is legitimate.

  1. Are you asked to make a large investment in products to join? You may find that it is impossible to resell these products to recoup your investment.
  2. Is the emphasis on selling the products or recruiting other sales persons? A legitimate company will have an emphasis on selling the product.
  3. Are the products priced similarly to like products? While there may be a market for high end products, if the price is much higher than similar products, you may find yourself out of pocket for these items.
  4. Are the products something that you will be able to have repeat buyers for? If you have to constantly find new buyers, you will run out of buyers eventually. 

Like any situation, if it sounds too good to be true, it probably is. Any type of successful business will take effort to grow. If someone promises that you can get rich while only working a couple of hours a week if you buy this entry package and then recruit some of your friends to also buy in, don’t do it. If you invest in this type of company, you will probably end of losing money and may end up in bankruptcy.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

It sounds like an absurd statement that you can actually become wealthy by filing bankruptcy. Bankruptcy has a stigma of symbolizing poverty: you've reached the end of your financial rope and you are scraping the bottom of the barrel. How could anything good come from that? You badly need a fresh start, but can barely afford your bills, much less an attorney. While filing a bankruptcy will not increase your odds of winning the lottery, it can absolutely put you in a better position to accumulate wealth, or at least financial security. Attorney Pfeiffer breaks down the path to success through bankruptcy:

Let's break it down like this. If you are currently using a huge portion of your monthly income to make the payments on credit cards, medical debts, and/or  personal loans (and not really making a dent in the balances), a bankruptcy may be the best solution. Why? Because it will allow you to make real, achievable plans for your financial future. I always give clients who come to me about filing a bankruptcy this advice: If you can afford to pay off your credit card debts, personal loans, and other bills within a 3 year period (without using the money that you need to support yourself and your family) then you should take that path. BUT, if you cannot pay off these bills within 3 years, then bankruptcy may be the right solution for you to start fresh.

Think about it... if you are currently paying over $500 a month on credit card bills, personal loans and other debts, then you are paying over $6,000 a year with little to show for it! Even worse, you may be in the hamster wheel of having to use your credit cards to pay for your necessary living expenses, because you have to use your income to make the payments on your credit cards. If you are doing this, you will never be able to get off that wheel without some other type of action. Did you know that if you are making the minimum monthly payment on a credit card, it can take you over 15 years to pay off the credit card balance? 15 years! That's a long time to delay your financial future!

This is where bankruptcy will free you from the hamster wheel.

Instead of paying over $500 a month on credit cards and other bills, you may be able to file a Chapter 7 bankruptcy and wipe out those debts. If you don’t qualify for a Chapter 7, you may need to file a Chapter 13 bankruptcy. A Chapter 13 will give you a set payment plan for 5 years, but then you will be free from these debts. 5 years is a heck of a lot better than 15 years.

Let’s take a look at what these bankruptcy options can do for your financial future. If you are paying over $6,000 a year simply to manage debt, and you wipe that debt out through a bankruptcy, now you can take that $6,000 a year and put it towards your financial future. Even if you can only save 50% of that money, you will be able to save over $3,000 a year. If you invest that money at 4% interest, in 10 years, you would have over $36,000. That is a great start on a nest egg for you.  Just think of how much you would be able to put aside if you make it a practice to save 50% of any increases that you get in your income going forward!

With these simple steps and a bankruptcy, you could be well on your way to financial freedom. I am happy to offer you a free consultation before you make any decision, and I also have written several books that are available for you before you talk to anyone (including me)! Call our office for detailed information on how we can help you.

Read Full Article
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

It sounds like an absurd statement that you can actually become wealthy by filing bankruptcy. Bankruptcy has a stigma of symbolizing poverty: you've reached the end of your financial rope and you are scraping the bottom of the barrel. How could anything good come from that? You badly need a fresh start, but can barely afford your bills, much less an attorney. While filing a bankruptcy will not increase your odds of winning the lottery, it can absolutely put you in a better position to accumulate wealth, or at least financial security. Attorney Pfeiffer breaks down the path to success through bankruptcy:

Let's break it down like this. If you are currently using a huge portion of your monthly income to make the payments on credit cards, medical debts, and/or  personal loans (and not really making a dent in the balances), a bankruptcy may be the best solution. Why? Because it will allow you to make real, achievable plans for your financial future. I always tell individuals who come to me about filing a bankruptcy that if you can afford to pay off your credit card debts, personal loans and other bills within a 3 year period without using the money that you need to support yourself and your family, then you should do that. If you cannot pay off these bills within 3 years, then bankruptcy may be the right solution for allowing you to start fresh.

Think about it, if you are currently paying over $500 a month on credit card bills, personal loans and other debts, you are paying over $6,000 a year with little to show for it. Even worse, you may be in the hamster wheel of having to use your credit cards to pay for your necessary living expenses because you have to use your income to make the payments on your credit cards. If you are doing this, you will never be able to get off that wheel without sometime of other action. Did you know that if you are making the minimum monthly payment on a credit card, it can take you over 15 years to pay off the credit card balance. This is where bankruptcy will free you from the hamster wheel.

Instead of paying over $500 a month on credit cards and other bills, you may be able to file a Chapter 7 bankruptcy and wipe out those debts. If you don’t qualify for a Chapter 7 bankruptcy, you may need to file a Chapter 13 bankruptcy and have a set payment plan for 5 years but then you will be free from these debts.

Let’s take a look at what that can do for your financial future. If you are paying over $6,000 a year simply to manage debt and you wipe that debt out through a bankruptcy. Now you can take that $6,000 a year and put it towards your financial future. Even if you can only save 50% of that money, you will be able to save over $3,000 a year. If you invest that money at 4% interest, in 10 years, you would have over $36,000. That is a good start on a nest egg for you.  Just think of how much you would be able to put aside if you make it a practice to save 50% of any increases that you get in your income going forward.

With these simple steps and a bankruptcy, you could be well on your way to financial freedom.

Read Full Article

Read for later

Articles marked as Favorite are saved for later viewing.
close
  • Show original
  • .
  • Share
  • .
  • Favorite
  • .
  • Email
  • .
  • Add Tags 

Separate tags by commas
To access this feature, please upgrade your account.
Start your free month
Free Preview