Spending Less on Interest by Improving Your Credit Score

Did you know that by increasing your credit score, you actually save money? If you are on a mission to save, you need to consider your current FICO score. When determining if you are a creditworthy borrower, creditors use your credit score, which is also what dictates the amount of interest that you will pay on loans and revolving credit. By having a high FICO score, the amount you pay for mortgage and credit card interest rates will be far less, which equates to a nice savings. As an example, a FICO score of 625 is considered a little above average. Because of that, someone with that score...

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Filing for Chapter 13 Bankruptcy in Rome, NY

Are You Underwater? If your home is currently at risk for foreclosure, one of the best ways to save it involves filing bankruptcy, according to a recent study conducted by the Social Security Administration and Princeton University, in which 300,000 individuals participated. Unfortunately, many people in this situation turn to other methods of saving the home that do not involve the use of a qualified attorney. A prime example is out-of-state assistance, which in reality is of no benefit, because there is no one holding the people behind these efforts accountable, and most mortgage companies...

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Understanding the Process of Filing Bankruptcy in Rome, NY

“Where Do I Begin?” When meeting with bankruptcy clients, their first question often pertains to the process of filing bankruptcy. Having never filed before, you have no idea what to expect. The first thing to know is that the process of bankruptcy consists of many different steps. For that reason, everything cannot be explained within a single article. However, by meeting with a Rome bankruptcy lawyer, you will gain all the insight you need, as well as professional help for getting through the process. As a bankruptcy attorney in Rome, NY, we have helped thousands of other...

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Alternatives to Bankruptcy: A Second Mortgage or Retirement Funds

Instead of using the equity in your home or dipping into your retirement account as a way of avoiding bankruptcy, you need to talk to a reputable Rome bankruptcy lawyer. Sadly, far too many people make the wrong choice, believing that bankruptcy should never be considered. In truth, there are times when a bankruptcy is the better choice for dealing with serious financial troubles. Having a Rome bankruptcy attorney in your corner is the best way to keep retirement funds protected. After all, this money is supposed to be used for paying utilities, rent or mortgage, medical bills, groceries,...

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Can you answer YES to any of these questions?

Are you being burdened with any of these scenarios? Can you answer YES to any of these questions? If you answer yes to any of these questions then we can help! Are collection agencies constantly harassing you? Is your mailbox full of overdue notices? Are you using one credit card to pay off another? Has your vehicle been repossessed? Has someone sued you and won? Did your “ex” leave you with all of the bills and only half the household income? Are your total bills as much as you make in a year? Were you laid off from your job and now not working or working for less pay? Have you thought...

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