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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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
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
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When burdened with overwhelming debt and a strong desire to own a home, initiating bankruptcy can be the constructive first step. This often misunderstood step can pave the way for your homeownership dreams. You heard me correctly. File Bankruptcy. By wiping out unsecured debts, you can start fresh. But don’t waste your bankruptcy. Treat it
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One number holds much power when managing your finances: YOUR CREDIT SCORE. It’s the key to unlocking favorable interest rates on your credit cards—or, unfortunately, being stuck with sky-high rates that can trap you in debt. Understanding how your credit score influences your credit card’s interest rate can help you make informed financial decisions and
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When high debt weighs you down, bankruptcy offers a lifeline, wiping out unsecured debts and giving you a fresh start. But what comes next? How can you rebuild and thrive after bankruptcy? Let’s explore. Credit is King In today’s world, your credit score is everything. A good score (700 or above) opens doors, especially when
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It’s Your Money-Keep It WAGE GARNISHMENTS IN ILLINOIS, HOW IT WORKS& HOW TO PROTECT YOUR MONEY Are your wages being taken away? You’re not alone. Many people have this problem. But there is good news. TheBillSlayer (Law Firm of Robert J Adams) can help you keep your paycheck. Here’s how: How Bankruptcy HELPS What is
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Understanding Wage Garnishments in Illinois: How to Protect Your Earning Are you currently facing wage garnishment and struggling to protect your hard-earned money? Don’t despair! Filing for bankruptcy will stop the wage garnishment. You will regain control of your finances. This Article explains the Illinois Garnishment law. How Bankruptcy Can Help: Whether Chapter 7 or
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IF I FILE BANKRUPTCY CAN I REBUILD MY CREDIT? WILL I BE ABLE TO BUY A HOUSE? Bankruptcy cases show up on your credit report as a bad mark but it often cleans up other bad marks. Also, it reduces your debt to income ratio. So there is good and there is bad. Credit reports
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