A Humorous Take on Bankruptcy Myths and Realities Yes, I am overwhelmed by debt. In fact, I feel like I’m drowning in credit card bills, final notices, collection letters, and threatening phone calls. While filing for bankruptcy could be a reasonable strategy to start fresh, there are several reasons why I believe I shouldn’t do […]
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Bankruptcy
If you’re overwhelmed by debt and struggling with a poor credit score, it may feel like there’s no way out. But here’s the good news: filing Chapter 7 bankruptcy can be the first step to rebuilding your credit and achieving financial freedom. At Robert J. Adams & Associates—The Bill Slayer, we’ve spent over 40 years
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Break Free Are you having trouble paying the minimum on your credit cards or loans? You’re not alone. Many people feel stuck, watching their debt grow while their payments never seem to make a difference. If this sounds like your situation, it’s time to look at what’s happening—and find a way out. Why Minimum Payments
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Are you thinking about filing for Chapter 7 bankruptcy? If so, you might wonder, “Will I lose my car? ” Your car isn’t just for getting around—it helps you get to work, see family, and manage your life. The good news? You can keep your car, even if you still owe money on it. Here’s
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One must pass a Means Test when seeking to file Chapter 7 bankruptcy. If your income is above a certain level, you may not qualify to file Chapter 7, which can be a shocking realization for many. Chapter 7 is often seen as a fresh start, but not everyone qualifies. Many individuals make a decent
Income Too High for Chapter 7 Bankruptcy? Discover Your Chapter 13 Solution Read Post »
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Filing for bankruptcy can feel overwhelming, but understanding the process step-by-step can make it easier. If you are dealing with debt or constant calls from creditors, bankruptcy may be a way to get a fresh start. Below, we’ll guide you through the steps of filing bankruptcy, what you can expect, and how to prepare. Remember,
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Feeling Overwhelmed by Debt? You’re not alone! Many people struggle with bills they can’t pay, high interest rates, and creditor harassment. Bankruptcy might be an option, but it can be scary to think about. We’re Here to Help At Robert J. Adams & Associates (also known as “The Bill Slayer”), we know that bankruptcy can
One of the most common concerns people have when considering Chapter 7 bankruptcy is whether they will lose their car. For many, a car is essential for commuting, running errands, and maintaining daily life. Can You Keep Your Car in Chapter 7 Bankruptcy? The short answer is: Yes, you can often keep your car. However, there
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Struggling with overwhelming debt can feel isolated, especially when surrounded by misinformation about bankruptcy. Whether considering Chapter 7 or Chapter 13, separating fact from fiction is crucial for making informed financial decisions. At Robert J. Adams & Associates, also known as The Bill Slayer, we’re here to empower you with the truth about bankruptcy. MYTH
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Imagine checking your credit report and seeing a red flag labeled “judgment.” Your heart sinks. What does it mean? How did it get there? And more importantly, how will it affect your life? A money judgment is like a financial scarlet letter. It’s a court order declaring that you owe a specific amount to a
The Silent Credit Killer: Understanding Money Judgments and Their Impact Read Post »
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