Practical guidance on debt, bankruptcy, and the financial decisions that matter most. Written by OVLG attorneys.
TFacing financial hardship can be overwhelming, especially when you worry about losing your home, car or other essentials. California’s bankruptcy exemption laws offer a fresh start by allowing you to keep what matters most. Unlike most states, California provides two distinct exemption systems—System 1 and System 2—each designed to safeguard different types of property.
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The checkout line at the grocery store has become a battleground for millions of Americans. As they watch the total climb—$150, $200 sometimes more—many face an impossible choice:Should I buy the food my family needs this week or make my minimum credit card payment?
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Why juggling multiple debts literally makes you less able to think clearly and make good decisions Many, or all, of the products on this page are from our partners who pay us when you click to a partner site or take an action on our site. However, this does not influence our reviews. Our opinions are our own. Here is a list of our partners and here’s how we make money.
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The sad reality of bankruptcy is that those in debt can’t afford the solution to get out of debt. Many people wonder how to file for Chapter 7 with no money when they’re in this financial pickle. Chapter 7 bankruptcy gives you a fresh start, wiping out most unsecured debt. But between court fees, mandatory credit counseling courses and attorney costs, it’s not free.
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The CFPB pause affects your financial security. This might feel scary, but you’re not helpless—this is an opportunity to take control and fortify your financial defenses during this time of uncertainty.
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Are you drowning in debt? Are debt collectors calling you day and night? Bankruptcy might be your way out. It’s a legal process that helps you start fresh by discharging unsecured debt (which means legally wiping out debts like credit cards and medical bills that aren’t tied to property).
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Think retirement savings are out of reach on a tight budget? Think again. Even $50 or $100 a month can add up over time with compound interest and planning. Here’s your step by step guide to building a retirement nest egg, one small deposit at a time.
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Financial stress leads people to look for ways to deal with overwhelming debt. Two of the most common solutions are bankruptcy and debt settlement. According to the Consumer Financial Protection Bureau (CFPB)— you need to understand the financial, emotional and legal implications of each.
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