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Green Bay Personal Injury and Bankruptcy Blog

Advantages of bankruptcy may help struggling cosmetologists

For many cosmetologists in Wisconsin and across the country, helping people look their best and feel good about themselves is a joy. Whether someone comes into a salon for a new style or color, carrying out work that is just what they ask for can help them feel satisfied.

Of course, your career and income likely hinge heavily on the number of clients and appointments you have at a given time. After all, if you are not providing cuts, color or styling to your clients, you likely are not generating any income. When times are hard, fewer clients come to the salon, and you may find yourself struggling to make ends meet.

Financial assessment important after job loss

Financial problems can strike at any time, and occasionally, they can arise without much warning. Medical emergencies can lead to high bills that patients cannot cover, and sudden job loss could lead to a tight budget that makes it difficult to pay monthly expenses. A death in the family could even result in a lower household income that makes it difficult for individuals to keep their finances in the black.

Fortunately, ways often exist that can help you and other Wisconsin residents assess your financial situation and determine how you can help yourself manage. For job loss in particular, it may be wise to make various changes to your financial affairs, even if just temporarily.

Special bankruptcy benefits for members of the armed forces

When you joined the armed forces, you knew you were in for some hard work and a long-term commitment. You may not have realized, though, how expensive life can be. If you have medical bills, credit card debt, car loans or other expenses you cannot pay, you may be thinking about filing for either Chapter 7 or Chapter 13 bankruptcy protection.

Before declaring bankruptcy, you should be certain you understand its drawbacks. For example, bankruptcy may interfere with your ability to obtain a security clearance. Nonetheless, if bankruptcy is the right course of action for you, the Servicemembers Civil Relief Act may provide you with some immediate benefits.

Is the means test required before filing medical bankruptcy?

If you have a mountain of medical bills you cannot pay, you may decide to file bankruptcy.

However, you may not be familiar with all the requirements for filing a petition in the state of Wisconsin. For example, is it necessary for you to take the means test?

Which is the best option for you, Chapter 7 or Chapter 13?

If you are planning to file for personal bankruptcy protection, you have a decision to make between Chapter 7 and Chapter 13.

Both have advantages and drawbacks. Make sure you understand the options before choosing the one that seems the best for your circumstances.

Tactics for managing debt

Debt is a major concern for many families across the country. Despite what seems to be a robust economy, more and more people are falling behind on credit card, medical and other important payments as they look for ways to keep themselves financially afloat. If you feel that your debt situation has gotten beyond your control and worry whether you will ever regain control of it, you are not alone. Many people in your shoes feel similarly or believe they will never get out of debt. 

As stressful as having debt may seem, it is not the end of the world. You can overcome this challenge and get control over your finances for a better outlook. Here are a few debt management tactics to consider. 

What you need to know about bankruptcy and timing

There should be more to life than the constant struggle for financial freedom. Even if you go to work every day, you may not have enough resources to pay monthly bills. Further, a medical emergency or unplanned event may send you into a financial tailspin. Either way, you may need to explore options for putting your budget back on track. Filing for bankruptcy protection is one of them. 

According to a report from CNBC, nearly half of Americans cannot afford a $400 urgent expenditure. Reporting indicates that debt is to blame. That is, most people have too much debt to cover the cost of an emergency. Fortunately, climbing out from under a mountain of debt probably does not take as long as you may think. 

Budgeting apps to help you through bankruptcy

Bankruptcy can be an effective method for getting rid of debt. But if you want to recover as quickly as possible and avoid bankruptcy in the future, you must be diligent and budgeting and saving. Thankfully, the tech industry can help with so many budgeting tools and apps on the market. 

With so many choices, it can be difficult to figure out what budgeting apps you should download. Here are some of the best personal finance apps to help you after bankruptcy. 

Reassuring facts about bankruptcy and credit

Filing for bankruptcy can cause a lot of fears, concerns and uncertainty. One thing you may be afraid about is ruining your credit score. You may hear horror stories about how bankruptcy can completely devastate your credit report. 

But is this really true? Here are some important facts to know about bankruptcy and credit to calm your anxieties. 

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