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Blog2025-08-20T20:50:03+00:00

Tallahassee Florida Bankruptcy Law Blog

2909, 2025

Do You Think It Is Smarter to Pay Off Debt or Save

Generally, it is considered smarter to pay off debt, especially high-interest debts (mostly credit-card debts and such), before good savings plans. However, along with paying your high-interest debt, a responsible saver should keep aside at least three months' worth of living expenses in an easily accessible account to fend off [...]

2009, 2025

Bankruptcy & Child Support: Understanding How It Affects Alimony and Payments

Filing for bankruptcy may seem like an easy way out of the uniquely harrowing financial situation with debts great enough to bring down anybody. At this junction, it will be more appropriate to discuss bankruptcy and child support together with family law as a mosaic of complexities for a person [...]

1509, 2025

Essential Things to Know When Setting Your Short-Term or Long-Term Savings Goals

Any practical savings plan will take into consideration timing. The time horizon for a specific goal determines how you will achieve it. Five-year goals will be approached differently from their 10, 15, or 20-year counterparts. Financial saving goals are traditionally divided into three time periods, namely: Short-term: Anything under one [...]

809, 2025

Do You Know How Much Should You Pay Towards Debt? Explained!

When you have debt to get out of, it limits you in one way or the other as to how it would be done. A fundamental and more common guideline basically suggests that you allocate 50% of your income to an all-encompassing budget covering necessities (mortgage, utility bills, food), 20% [...]

109, 2025

How to Get Out of Debt: Proven Strategies for Financial Freedom

  Tracking is the way budgets keep records of financial activities to plan them, maintain them, and prevent overspending. Regardless of whether one is scraping to pay bills or has some extra cash to set aside, the budgeting process comes in very handy. By learning how to track your spending, [...]

2508, 2025

What Can Credit Counseling Agencies Help With?

Credit counseling agencies help people with money management, credit management, and budget building; they provide free educational materials and workshops, as well as some repayment options. Counselors at these organizations are trained and accredited in budgeting, debt management, and credit issues. Good credit counselors will spend a good amount of [...]

1808, 2025

Steps for Managing Debt and Getting Out Of It

Some debts can help you build wealth; borrowing money to buy a house or paying for your college education with student loans will generate income in the future. Consumer debts, such as auto loans, personal loans, or credit cards, will not increase your net worth or future income because the [...]

1108, 2025

Do You Know How to Recover From Bankruptcy?

Bankruptcy feels like the bottom - it has wiped out old debts and will stay long on your credit report (7 to 10 years long), which affects options for mortgage qualification, or any other terms of credit. A credit rebuilding, cash-flow management, and being positive-scoring must be set up before [...]

108, 2025

How to Get Debt-Free? Bruner Explained

It's not surprising that Americans are in debt. Of course, interest rates remain high, without showing any signs of budging, while consumer prices have risen an astonishing 22.5 percent since February 2020, just before the pandemic began. On average, these credit cardholders keep at least one balance on their credit [...]

2807, 2025

Do You Know What Is Considered a Bad Credit Score?

The Key Takeaways A VantageScore below 601 or an FICO score less than 580 is considered to be a poor credit score. You may face a less favorable outcome with lenders, landlords, and prospective employers if your credit score is in the low range. You can increase your credit score [...]

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