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June 2015 Archives

Proposed legislation protects people with medical debt from abuse

A catastrophic illness or a life threatening injury can leave a person overwhelmed by medical debt. As people adjust to changes in their health insurance coverages under the nation's new health care law, a physician whose bill was paid in the past might now be an out-of-network provider subject to a very large and expensive deductible.

How can bankruptcy stop foreclosure?

Kentucky residents who have been facing unexpected life changes may suddenly find themselves surrounded by unpaid bills and no money to pay them. You may have tried to at least make the major payments, but foreclosure seems to be looming. When you see no other way out, bankruptcy may be the solution.

Why people go bankrupt

Every year, thousands of people in Kentucky file for bankruptcy. For one reason or another, people need debt relief, and this is their only option. But why do so many people face such difficult financial harships?

How payment plans work in a Chapter 13 bankruptcy

For anyone considering bankruptcy as a form of debt relief, an important early question is whether to choose Chapter 7 "liquidation" bankruptcy or Chapter 13 "payment plan" bankruptcy. While Chapter 7 discharges many debts completely, it may still leave some of your more valuable forms of property, such as a house, or a car, open to the possibility of being sold off in a trustee’s sale as a means of paying creditor claims.

What rules must debt collectors abide when collecting debt?

Getting calls from debt collectors can be a stressful experience. Once the calls start, you may be scared to answer the phone from any unknown number. When you are in the midst of dealing with these collectors, it is important to know what they must say and what they are not allowed to say. Not following these rules can categorize the calls as harassment, illegal under the Federal Trade Commission.

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