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If a couple wants to file for bankruptcy, they can make the process more efficient by filing a joint petition rather than filing individually. The papers included in the joint petition will cover all of the spouses’ assets and income, as well as their total debts and expenses.

A Federal Reserve report shows U.S. household debt increased to a record $16.15 trillion in the second quarter, driven mostly by a $207 billion jump in mortgage balances, with credit card and auto loan debt also rising as consumers lifted their borrowing to deal with soaring inflation.

This is an area of concern for security clearance applicants where one would think that there really wouldn’t be much of an issue. In fact, it can be so problematic that I have seen a number of situations where it has prohibited an individual from ever getting a security clearance.

When you’ve run into difficult times, it’s not unusual to be unable to pay a bill or have it slip by unnoticed. However, when those debts are sold to a debt collector, you may feel as though you’re in a never-ending battle.

If your loans are eligible, you’ll temporarily regain several student aid and credit reporting benefits. You’ll also get the opportunity to get out of default and keep those benefits for the long term. Eligibility depends on the kind of loans you have, and at what point the loans defaulted.

By Ronald C. Sykstus

Over the last three years or so, I have seen a marked increase in people who hold or are trying to get security clearances running into issues as they relate to psychological conditions. The guideline that controls security clearances references,

If you become ill or have been injured in some way treatment can be very expensive. Throw in the cost of preventive care like dental procedures, vision, and hearing the cost of being unhealthy in America, even with health insurance, can destroy anyone’s budget, especially if you have children.

At the Bond & Botes Law Offices bankruptcy is our business. We are focused on helping people get relief from debt. Over the years we have filed 10s of thousands of bankruptcies. Filing bankruptcy for people is how we make our living, many of our clients come to us living paycheck to paycheck and hire us to help end the cycle of living under this great burden.

Truth: The year-end holidays are expensive and they will be here soon.

With rising interest rates and inflation, this year may be the most expensive ever, gifts, decorations, and other seasonal purchases you expect to make, you might be surprised just how easily holiday spending can get out of control.

Decisions That Can Last a Lifetime Should Not be as Easy as Ordering a Pizza