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  1. Ask the Debt Doctor: Universal Default

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    I noticed on my last credit card statement that my interest rate had skyrocketed.  I pay the minimum payment on time each month, and when I called to question the bank that issued me the card, I was told that because I had been late...
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  2. Two Main Types of Consumer Bankruptcy

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    The two main types of consumer bankruptcy are a Chapter 7 bankurptcy and Chapter 13 Bankruptcy below is a brief summary of the differences between the two options. Chapter 7 (Liquidation of nonexempt property) no asset cases, which means that most debtors don’t lose any...
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