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Consumer Blog

Navigating Bankruptcy: A Pathway to Financial Recovery

Posted by Sami Thalji | Oct 18, 2023 | 0 Comments

The article discusses the recent decline in personal bankruptcy filings during the pandemic, predicting a probable increase due to rising interest rates and reduced government relief. Experts highlight the emotional challenges associated with bankruptcy, emphasizing the importance of legal guidance. It outlines the steps involved in the bankruptcy process, with insights on the types of bankruptcy and their implications. Additionally, it offers post-bankruptcy advice, emphasizing the significance of responsible financial management and the potential for rebuilding credit. Despite the stigma, the article highlights bankruptcy as a chance for a fresh start and financial rehabilitation.

Wage Garnishment in Florida: From Your Employers Perspective

Posted by Sami Thalji | Mar 02, 2023 | 0 Comments

Wage garnishment is when an employer has to take money out of an employee's paycheck to pay off a debt. This can happen if someone owes money for things like child support, taxes, student loans, or other debts. There are two types of garnishment: wage garnishment and non-wage garnishment. Non-wage garnishment is when a court orders a person's bank to take money out of their account. If an employer doesn't follow the law and take out the right amount of money, they can get in trouble and have to pay fines or even be taken to court. The amount of money that can be taken out of an employee's paycheck depends on how much they make and what they owe. It's important for employers to follow the rules and seek help from an attorney if needed.

Family Savings Accounts Are Shrinking As Consumers Are Overwhelmed by Credit Card Debt

Posted by Sami Thalji | Feb 24, 2023 | 0 Comments

A recent survey by Bankrate has found that a growing number of Americans are struggling to save for emergencies due to high inflation and increasing interest rates. Over a third of respondents had more credit card debt than emergency savings, up from 22% a year ago. Many people are using their emergency savings or taking on credit card debt to cope with the current economic situation. Respondents cited inflation or unemployment as the biggest barriers to saving more. To avoid financial stress, it's important to prioritize emergency savings by setting a budget, cutting unnecessary expenses, and considering debt consolidation or debt relief options to free up money for savings.


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