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In 2019, more than 45,000 individuals in Georgia sought protection from creditors through bankruptcy filings. What led them to take this path other than the seemingly insurmountable amount of debt they're facing? Often, it can be to stop the seemingly endless harassing phone calls and letters from creditors.

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Student loan debt in the United States now totals $1.5 trillion, with the average post-graduation debt reaching $29,800. According to the Federal Reserve Bank of New York, almost 11 percent of all student loans are at least 90 days past due.

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In 2019, nearly 43,000 Georgia residents filed for Chapter 7 or Chapter 13 bankruptcy, seeking a fresh financial start for themselves and their families. Most of them didn’t make the decision to file easily. Even when debt is managed and cleared, bankruptcy leaves behind a poor credit score for years.

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Your debts are overwhelming you, and you dread retrieving the mail to see another bill arrive, or answering the phone just to be bugged about overdue payments. Millions of Americans have found themselves in this position.

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According to the Small Business Administration, small businesses — that is, businesses with fewer than 100 employees — account for 99.9% of all U.S. businesses. The coronavirus outbreak has led to business closedowns, which has affected numerous small businesses in the United States.

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Financial problems can happen to anyone. Unanticipated events can overwhelm even the most financially stable of people. It could be anything from the loss of a job, to medical problems, to bad financial investments. When someone realizes they can't pay their debts, they'll experience significant stress in their life. Bankruptcy can be a chance to restart your financial life.

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Banks, car dealers, mortgage companies, and any business that relies on consumer lending love credit scores. They use them to make their lending decisions easy. If they had to independently rate every customer themselves, they would have a difficult time keeping up with a high volume of business. The credit scoring system allows them to sell that car or create ...

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Most people say that at the start of every year, they’re going to finally find a way to get their finances in better shape. If you’re currently paying student loans, or you will be in the near future, it’s important to know the ins and outs of student loan debt.

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Mortgages are confusing and complicated enough. When it comes to a reverse mortgage, many people have no clue what they are, how they work, or why they might want to get one. A reverse mortgage can be beneficial to you if you're in a financial crunch and are trying to figure out how to come up with the cash you ...

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Almost every American citizen suffers under some sort of debt, although many would rather not admit it. But for the millions of Americans living under crippling debt, and the thousands who want to get out of debt, they cannot think about anything else. Debt is a vicious cycle that can leave a person constantly stressed and in fear of losing ...

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