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Conquer Financial Challenges

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Conquer Financial Challenges
  • PlanfortheUnexpected
    Conquer Financial Challenges

    Plan for the Unexpected

    Emergencies and the unexpected happen—it's life. But with a few simple steps, you can prepare your finances for whatever comes your way and safeguard your future.

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    Conquer Financial Challenges

    You’ve Lost Your Job. Now What?

    The loss of a job can be emotionally traumatic and financially taxing. Here are some ways to make the most of a worst-case situation.

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    Understanding the Bankruptcy Reform Act

    The Bankruptcy Abuse Prevention & Consumer Protection Act of 2005, commonly called the Bankruptcy Reform Act, is the first major change to bankruptcy law in decades.

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    Bankruptcy Facts

    Bankruptcy. Though rarely anyone’s first choice for coping with overwhelming debt, the decision to file should be made only when you are fully aware of all its consequences.

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    Debt and Divorce: The Basics

    Divorce can be a long and painful process—but add debt issues to an already emotionally heated experience, and the fire can quickly rage. It is vital to know the facts about debt and divorce.

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    Rapid Rescoring for Credit Report Errors

    You discover that your credit report contains errors that have negatively impacted your score. Is there anything you can do to bring your score up to where it should be quickly? Yes. It’s called rapid rescoring.

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    How to Handle a Post-Judgment Debt

    If a creditor has taken you to court for an unsecured debt and won the case, you now have a judgment filed against you and an important obligation you need to deal with. Here’s how.

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    How to Arrange a Debt Settlement

    If you have a debt that you can’t afford to repay in full, a good option may be to negotiate a settlement. This is when you and your creditor consent to settle an account balance for less than what you owe.

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    Credit Counseling and Debt Repayment Plans

    Where would you turn for help if credit card and other unsecured debt became unmanageable? For some clients, a debt repayment plan may be an ideal way to pay unsecured debts.

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    How to Communicate with a Creditor

    Have a feeling you won’t be able to pay your bills? Already behind on payments? Here is how to gain control of the situation, prevent problems from escalating and possibly even reverse damage.

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    Know Your Rights with Collection Agencies

    The Fair Debt Collection Practices Act (FDCPA) regulates collection agencies’ conduct towards consumers—or the conduct of any lawyer who is performing a collection function.

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    Managing Credit Difficulties

    Would you know if you were having credit problems or were in "Debt Distress?" Get tips for avoiding bankruptcy, checking for errors or negative information in your credit report and more.

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    How a Negative Banking History Affects You

    You probably know that missed credit card or loan payments will show up on your credit report, but did you know that mismanaging your checking or savings account could negatively affect your banking options?

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    Protecting Your Finances from Disaster

    Whether fire or flood, earthquake or hurricane, powerful forces of nature can lead to financial devastation if you and your home are in its path. But you can take preventative measures to cushion the blow.

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    Keeping Finances Healthy During Illness

    Being ill or disabled can severely damage the best-laid financial plan. There is a way to prevent the worst from happening, however. You can protect yourself with the right insurance coverage.

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