debt
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Pension Loan Guide: Borrow Against Your Retirement Savings
State employee completes a pension loan application. Getting a pension loan is an easy way for an employee to borrow money against their vested contribution. A pension plan is a retirement pl
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Tennessee Debt Collection Laws: Your Rights & Protection
Tennessee legislation makes use of the federal Fair Debt Collection Practices Act to protect you from intimidating bill collectors. If you believe bill collectors are harassing you, take comf
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Understanding Fund Liquidation: What It Means for Investors
When a fund is up for liquidation, it means that the fund company has decided to either sell off the fund's assets or merge the fund's holdings into another fund, preferably a well-performing
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Protect Your Assets: How to Avoid Judgment Collection
It's much easier for a creditor to collect an unpaid debt once he wins a judgment against you. With a judgment, a creditor can put a lien on your house, garnish your wages or garnish you bank acco
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Understand Your Credit Repair Rights: Leveraging the FCRA
Credit Repair Loopholes The Fair Credit Reporting Act (FCRA) grants you certain credit repair rights. This federal law is meant to empower you to fix credit bureau mistakes. Such errors are s
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Texas Default Judgment Collection: A Creditor's Guide
Collecting on a default judgment in Texas can be difficult for creditors. Texas exemption laws are favorable to debtors, but creditors do have a few collection avenues available. Judgments in Texas ar
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Federal Tax Refund Garnishment: What You Need to Know
Federal income tax refunds can be garnished, but only in cases of past-due child support or debts owed to federal or state governments. Federal refunds cannot be garnished to satisfy private debts, su
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Understanding Financial Aid: What Expenses Are Covered?
Financial Aid makes it possible for many individuals to attend college. Financial Aid is a necessity for many students who plan to attend a college or university. In fact, the National Center
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Bank Account Garnishment: Can You Close It?
Outstanding checks you have written prior to bank account garnishment will be returned. A bank account garnishment, also known as a bank levy, is a legal step creditors can take to collect wh
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Legal Aspects of Lending Money: A Comprehensive Overview
You can legally lend money to a friend, family member or even a stranger. People are commonly confronted with requests from friends or family members to loan them money. While these requests
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Florida Payday Loan Statute of Limitations: What You Need to Know
Payday loans allow debtors to borrow against their next paycheck to get cash for emergencies. However, most payday lenders charge high interest rates, and the borrower may find himself unable to pay b
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Understanding Discharged Loans: What You Need to Know
Discharged loan debt does not automatically cancel lien. Discharged loans are a form of discharged debt. Simply defined, a discharged loan is when an outstanding debt has been forgiven. Nearl
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FHA Plus Loan: Reduce Closing Costs & Homeownership in Virginia
An FHA Plus loan can reduce your out-of-pocket closing expenses. The Commonwealth of Virginia is a good place to live if the dream of home ownership is yours. As evidence of this, the establi
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Understanding Loan Sharks: Risks and Alternatives
Loan sharks may provide immediate cash, but they often worsen the cycle of debt. Debt is rampant in the United States, with many people borrowing beyond what they make. Not everyone who needs
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Understanding Collection Agencies: Are You Being Contacted Legally?
Collection agencies differ from original creditors — they are outside agencies which the original creditor either sells your account to, or hires to recover the debt. Even if your creditor threatens t
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90-Day Bank Loans: Definition, Purpose & High APR
A 90-day bank loan is the shortest available, A 90-day loan note with a bank is one of many types of bank loans. It is the shortest period for loans, and is therefore called a note instead of
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Boat Short Sale: Protecting Your Credit & Options
A short sale of your boat may save your credit score. If you use financing to obtain the money to buy your boat, then you need to pay the amount back to the lender over time. If, at any point
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Florida Statute of Limitations on Debt: A Comprehensive Guide
Most unpaid debts won't follow you forever. Florida's Statute of Limitations states how long a creditor has to sue you in Florida courts. Usually creditors are out of luck if the debt is more
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Secured Checking Accounts: Rebuild Credit & Access Banking
Secured checking accounts may be used to help rebuild credit. In addition to the financial difficulties of paying off overdue loans, bad credit can make it difficult for a borrower to develop
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Understanding 'MR' on Your Credit Report: What It Means
Credit reports contain a variety of credit history information. All consumers have credit reports that detail their history as a user of various kinds of credit, ranging from bank accounts to
debt
- Understanding Notices of Default: What They Mean & What to Do
- Understanding the Downsides of Installment Loans
- Debt Relief Charities: Nonprofits Offering Financial Assistance
- Debt Relief Grants & Strategies: What You Need to Know
- How to Negotiate a Car Price Below Invoice: A Comprehensive Guide
- Understanding and Checking for Tax Liens: A Comprehensive Guide
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Buying a Home After Bankruptcy: A Comprehensive GuideBuying a house after bankruptcy may seem like an impossible feat, but it’s actually not out of the question. Even if you have a Chapter 7 or Chapter 13 bankruptcy on your credit report, you can stil...
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Sending Money to South Korea: A Comprehensive GuideYou can send money to Korea through your bank or a money-transfer agency It may seem daunting to send money to a country as far away as Korea, but the process is actually quite straightforwar...
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Achieve Your Financial Goals: Using Behavioral Economics for Lasting ChangeIn the first few days of January, it seems as if the New Year is nothing but potential. You tell yourself that this year is the one when you’ll finally get out of debt/maximize your retirement savings...
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Learn Options Trading with Ally Invest Expert Brian OverbyAs senior options analyst for Ally Invest, Brian Overby is a widely sought-after resource for his option trading knowledge and market insights. He has contributed to numerous articles for the...