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If you decide that you want help to deal with your debts because you don't like what the financial calculator is telling you about your future, don't be afraid to ask us for help.
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Debt is a way of life for most Americans, some of it good, much of it bad. consumers is escalating at a dangerous pace, putting younger generations at a financial risk that was never experienced by their parents.
Let’s start with a positive spin: Handled responsibly, debt can be the impetus toward great investments in homes and education, serving as a key economic engine. It usually starts with irresponsible use of credit cards and grows worse as unforeseen circumstances like unemployment, medical emergencies or unforeseen changes in a family situation come into the picture.
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Bankruptcy information stays on a credit report for 10 years and can make it difficult to get credit, buy a home, get life insurance, or sometimes get a job.
As federal courts have exclusive jurisdiction over bankruptcy laws, cases must be filed in federal bankruptcy court.
Beyond keeping up with daily expenses, irresponsible spending has taken a toll.Credit counseling services provide various resources to help solve your money problems.From starting a budget to educational programs on money management, counselors discuss your entire financial situation and help you develop a personalized plan.Despite that apparent disdain, the debt load for Americans keeps rising.The Federal Reserve says that the average household debt is up to 2,529 (including mortgages) a jump of 11% in the past decade.