Recent Blog Posts

Understanding how long the repossession process takes is critical to preventing it or mitigating the damages if your vehicle is repossessed. If you are worried about repossession, you should know that a repossession can happen faster than most people think. Once your car is repossessed, the clock is ticking, and you’ll need to act quickly.Car repossession process: Meaning If you are in danger of having your car repossessed, you are rightfully worried about what’s going to happen. You’re likely wondering exactly how long the......................

In a recent Bloomberg article published August 5, 2025, the economic alarm bells started ringing loud and clear: more Americans are behind on their student loans than at any time in over two decades. In the second quarter of 2025 alone, 12.9% of all student loans became 90 days or more delinquent - a record high since the New York Federal Reserve began tracking the data 21 years ago.......................

If you are considering Chapter 13 bankruptcy in Texas, you may be curious how much it costs to file. Many people are worried they cannot afford to file bankruptcy and while there are several fees associated with filing, most fees can be paid in installments or even included in your court-approved repayment plan. Chapter 13 bankruptcy: Texas specifics Chapter 13 bankruptcy is governed by federal and state law. It’s important to know that bankruptcy varies from state to state. In Texas, there are several important things you should know.......................

If you recently purchased a new vehicle or are thinking about getting a new car, you might be wondering about the pros and cons of Guaranteed Asset Protection, also known as GAP or GAP insurance. This blog will explain the meaning of GAP, how it works, and who could benefit. Guaranteed asset protection: Meaning Guaranteed Asset Protection (GAP) is sometimes called GAP coverage or GAP insurance; it is an optional insurance coverage offered as a supplement to an auto, motorcycle, boat, ATV, or RV loan. ......................

If you’re considering filing for bankruptcy, it’s important to understand the different bankruptcy chapters so you can make an informed decision. The three main types of bankruptcy are Chapter 7, Chapter 11, and Chapter 13. Each chapter has different requirements and rules. Ultimately, choosing the right chapter of bankruptcy will depend on your assets, types and amounts of debt, as well as......................

If you are being harassed by debt collectors, you may be wondering if this will last forever. The good news is that there is a statute of limitations on debt collection, and once that expires, you cannot be sued for that debt. It’s important to understand your rights and avoid making a costly mistake that could revive old debt or restart the clock on the statute of limitations.....................

Beginning in July 2025, the Social Security Administration (SSA) will begin withholding up to 50% of monthly benefits for certain recipients who received overpayment notices dated April 25, 2025 or later. This marks a significant shift from the current withholding policy and has understandably caused confusion and fear for many beneficiaries, especially older adults and those on fixed incomes.....................

If you are worried about losing your home to foreclosure, you probably have a lot of questions and may be interested in learning how you can delay or prevent the foreclosure. People in this situation often use Chapter 13 bankruptcy to successfully delay or even prevent a foreclosure. How long Chapter 13 bankruptcy will delay a foreclosure depends on several factors. Simply put, Chapter 13 bankruptcy can at least temporarily....................

If you are worried about a repossession or have recently faced a repossession, you may be wondering how long it stays on your credit report. You may also be wondering how a voluntary repossession works, the pros and cons of voluntary repossession, and how to decide if it’s the right option for you. For the past several years, an increasing number of people have been feeling extreme financial pressure. American consumers continue to....................

Mortgage delinquencies are rising, which signals growing financial strain for homeowners across America, especially those with FHA-backed loans. FHA (Federal Housing Administration) loans, which are designed to help first-time and lower-income homebuyers access homeownership, now have the highest rates of delinquency among all types of home loans. While these loans offer flexible credit requirements and low down payments....................