I heard from one of our clients in Washington County recently, and she is totally killing it! Her score increased by 114 points on Credit Karma the day after getting her case number. That’s right, the DAY after filing it went up 114 points. Her financial situation was not an outlier either. She had 2 vehicles, one with… Read more »
Can I File Bankruptcy on a Bail Bond?
In Minnesota you can file bankruptcy on a bail bond. I have represented several people who have successfully filed on a bail bond, and it went away completely. WHAT IS A BAIL BOND, WHO OWES IT? A bail bond is kind of like a loan. If someone is charged with a crime and arrested,… Read more »
What is a Bankruptcy Estate?
Filing Bankruptcy protects your stuff from creditors. But to understand how that works, it helps to understand what a ‘Bankruptcy Estate’ is. Now you’ve probably heard the word estate used in phrases like ‘real estate,’ ‘family estate,’ or ‘estate planning.’ In bankruptcy, your estate is everything you have at the exact moment you file your… Read more »
Do I Have To Pay My Spouse’s Debts?
Do I have to pay my spouse’s debts? That’s a fair question, and one we get asked a lot. Here is the answer to the question, “Do I have to pay my spouse’s debts?” When people give themselves in marriage to the one they love on their… Read more »
New Year, New You?
Now you’ve recovered form the festive period, then perhaps you’ve already decided what you’re going to focus on this year, and have decided what New Year, New You means for you this year. What are your goals? Maybe New Year, New You means that you’re going to: Get your finances in order, or see how… Read more »
Your rights as a Minnesotan in the Equifax data breach
WHAT HAPPENED? You have probably heard that Equifax, one of the 3 big nationwide credit reporting companies, recently had a huge data breach. Some 143 million Americans have had their information compromised. Considering that there were 323.1 million Americans in 2016, and that lots of Americans, like children, don’t have credit reports, this is probably… Read more »
Try Cheaper Options Money Saving Tips
You can often get the same performance and quality from a similar product from a different manufacturer or supplier. Could cheaper options give you the same results and save you money? Here’s what you could try. 71. Gas There are plenty of websites and apps that will help you find the lowest price for gas… Read more »
Practical personal ways to spend less money
Here are some practical personal ways to help you spend less money. 41. Stop smoking It’s obvious, and you already know it, but we’re going to say it again. If you do smoke then give up. It might not be as simple as just quitting, but there are various ways, groups and products to help you…. Read more »
Bills, Credit Cards and Credit Scores
As well as managing your money better, what about getting smarter when it comes to paying your bills, choosing credit cards and checking your credit scores? This time, we’ll be looking at how you can save money by looking at your bills, credit cards and credit scores. 1. Check your credit scores regularly We strongly recommend… Read more »