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Latest Articles

Spooky Tips for Saving on Halloween

Pic of Halloween

Candy, costumes, haunts, and spooks. With October bring one of the most fun holidays of the year, Halloween. It is that time of the year where you can get as much candy as you want, pretend to be something you’re not, and scare yourself silly at spooks and haunts. Unfortunately, all that fun comes at a price but know this you can still delight in all things spooky but don’t have to break the bank. Check out these ways to do up Halloween on a budget.

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Budgeting Apps to Help You Save Save Save

Pic of Bank Application

Anyone concerned about money wishes for two things. First to learn how to budget better and two to save more money. Living in a tech savvy world has its benefits and some of those benefits includes convenient access to budgeting and finance tools via your computer or your cell phone. Never has it been so easy to not only create a budget and stick to it but to save money. The best part is many of these tools are completely free. Thanks to nerdwallet.com article on “Best Budgeting Apps and Personal Finance Tools,” we could see just what the best of the best apps are out there.

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Are You Prepared for a Disaster?

Emergency Fund

Steps to Preparing an Emergency Fund

With all the natural disasters that have happened or are about to happen this month, it makes you pose the question; am I prepared? Everyone needs to save for the unexpected; unfortunately, many individuals and families do not have any savings at all. When you have no savings than any emergency is going to put you in the hole. A financial buffer can help keep you afloat in a time of emergency and let you recover without going into debt. We can all make it there if we follow these simple steps and make a plan.

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How to Improve Your Credit Score with Rent Payments

Improve Credit ScoreAs everyone knows a good credit score has a huge impact in today’s world, and can even determine your quality of life. The purpose of a credit score is for lenders to be able to predict the likelihood that you will make your payments. Lenders like to see that you can demonstrate the ability to make on time and regular payments. If you are paying a mortgage, your timely and regular payments will count positively toward improving your credit score. However, if you are a renter like many individuals, your payments do not normally count toward your credit score, even though it is most likely one of your biggest expenses month to month.

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Back-To-School Shopping Tips and Tricks

Back-to-schoolIt is that time of the year again when all the kids go back to school. Which also means back to school shopping. You may already be ahead of the game and have started your back to school shopping, or maybe like many you have procrastinated and are looking for those great back to school sales. Between books, clothing, and the massive amount of school supplies, the start of a new school year can be tough on your wallet. Here are some money-saving tips to make a small budget go a long long way.

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Don’t Break the Bank!

9 Simple Ways to Save Money.

Break Savings BankWe have all been there something unfortunate happens that costs a lot of money, and you do not have any savings to help with the situation. Sometimes the hardest thing about saving money is getting started. It can be difficult figuring out simple ways to save money that is doable. Here are 9 simple ways you can save money and not break the bank when there are a series of unfortunate events.

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Till Debt Do Us Part. Does Divorce + Bankruptcy = Happiness?

Bankruptcy Divorce

The number of personal bankruptcies has fluctuated over the years, but still, a number of filers are divorced. Having to get a divorce is a hard-enough decision. Getting stuck with a bunch of debt’s that you cannot pay is even worse. Let’s face it. It goes without saying that getting a divorce does not make you better off financially. In reality, it leaves you deeper in debt. Now you may be asking yourself when is the right time to file a bankruptcy if you and your significant other are planning on divorcing.

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Lucky #7

Luck #7

Seven Reasons to File for a Bankruptcy

Declaring bankruptcy is always going to be a hard decision. But if done the right way and at the right time it can save you money, preserve your peace of mind, and get you out of a financial hole. If your debt is spiraling out of control, don’t wait until it is too late. Below are seven scenarios that indicate your financial situation is out of control and bankruptcy may offer a way out.

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Say "Be Mine" Without Going Broke

Valentine's Day

Savvy spending tips for Valentine’s Day

It is that time of year again where men and women everywhere dream up ways to make that special someone feel special, and in a day and age where everything is public the bar keeps raising. Fun fact though you can say “be mine” without breaking the bank.

So, if you are dating on this great Hallmark holiday, it is possible to show love without watching your wallet. Here are some smart ways to watch your wallet this Valentine’s Day.

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New Year. New You...Debt Free

New Year New You

It is that time of the year again where everyone begins making their New Year’s resolutions. Have you been thinking about what you would like to change for the New Year yet? Many resolutions focus on the usual things like improving one’s health or addressing a bad habit. However, improving your financial health and bad spending habits should, in fact, be your top priority. Unfortunately, as well all know resolutions themselves are hard to stick to, and this particular one is the one that is broken more often than others. Why is that, is it our lack of will or unrealistic planning? Whatever the reason making the resolution to be debt free is something we all should work on this year. To achieve this goal lets focus on a few key steps to get yourself on the right track.

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Budgeting. Just How Important is it?

Budgeting Your Dollars

Every person at one time or another has attempted the daunting task of creating a budget. Usually, it goes well for a couple of weeks and then that well thought out budget is at the back of your mind. That budget you initially worked so hard on was thrown to the wind for one reason or another. Something everyone should realize is how important a budgeting is.

Budgeting allows you to prioritize your expenses, plan them accordingly, and focus on the things that are most important to you. It allows you to create a spending plan that ensures you will always have enough money to cover your expenses. The hardest part of budgeting is sticking to it. It is easy to make a plan and implementing it, however, sticking to that plan can be hard.

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I Lost My Job During My Chapter 13 Bankruptcy. Now What?

Out of Work

A Chapter 13 bankruptcy is a consolidation of debt that allows you to use your income to pay back your creditors on a repayment plan. This repayment plan spans from three to five years. Many of your payments are dependent on your disposable income. Chapter 13 plans require you have a steady income flowing in so that you can pay for your living expenses, and paying off new, and old debts. However, if you lose your job while in a Chapter 13 plan, making those payments can be difficult or impossible. If this event does occur you may be asking yourself, "do I still have to make plan payments based on income I no longer receive?'.

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Bankruptcy Myths & Misconceptions

Bankruptcy Myths

Usually, when we think about bankruptcy, the first thing that comes to mind is someone standing in a barrel with all of their belongings being stolen, or losing all your money on Wheel of Fortune. Bankruptcy is a word that has become taboo throughout the years. Fortunately, bankruptcy is not as bad as everyone thinks. It can be considered a life saver for those who have found themselves pulled to thin by debt. Below I will discuss the major myths associated with bankruptcy.

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Buying a House Post-Bankruptcy

Buying a House

A primary concern for many Tennessee and North Georgia residents who are considering bankruptcy is their ability to purchase a home in the future. A bankruptcy myth that has been circulating for years is that it ruins your credit for life, and it will be a decade before you can recover. Everyone knows that to purchase a house you have to have good credit. That being said this myth simply is not true. In fact, if you are diligent in rebuilding your credit, you can purchase a home in as little as two years of discharge.

Check out these six steps to buying a home post-bankruptcy.

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Four Facts About Chapter 7 Bankruptcy

4 Bankruptcy Facts

Chapter 7 bankruptcy, also known as straight bankruptcy is the liquidation of all debt. In Chapter 7, all of the debtor's nonexempt assets that have significant value are distributed to creditors to pay off debts. Once debts are paid off the debtor receives a discharge. A typical Chapter 7 bankruptcy lasts from 3-6 months. Here are four facts you need to know before filing a for Chapter 7 bankruptcy.

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The Benefits of Filing For Bankruptcy

Benefits of Bankruptcy

Deciding whether or not to declare bankruptcy is never an easy decision to make. Bankruptcy has a lot of negative associations; however, filing for bankruptcy is not as taboo as it once was. Yes, it will affect your credit score and your reputation with lenders but, it also provides considerable relief for those who are buried in unmanageable debt. Even though there are disadvantages to filing bankruptcy, there are many advantages that outweigh the disadvantages. Below is a list of some of the benefits of filing for bankruptcy.

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Rebuilding Your Credit with 720 Credit Score

Credit Score

A lot of individuals believe bringing their credit score back from the dead after filing for bankruptcy be near to impossible. Contrary to popular belief, rebuilding your credit score after bankruptcy is not impossible. In reality, it is easier to rebuild your credit score if and when you declare bankruptcy. And here’s why…

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Free Credit Education for Clients

Education

At Eron Epstein Bankruptcy Attorney, we know that your bankruptcy is only part of your concern: You also want to get back to a normal life. This includes rebuilding your credit score to 720 as fast as possible.

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Bankruptcy Discharge Myths

Myth and Facts

Bankruptcy promises a financial "fresh start," an opportunity to start over without the burdens of oppressive debt. The debtor obtains a fresh start from a discharge of debts at the end of his or her bankruptcy case. Unfortunately, there is a lot of bad information being passed around about the scope of the bankruptcy discharge. Below are a few common bankruptcy discharge myths:

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When Your Credit Card Company Sues

Credit Cards

Personal credit cards are relatively easy to obtain, but credit card debt can get quickly out of control. Just one missed payment can damage your credit. If you are unable to pay your monthly payments, your card company may close your account, declare the debt defaulted, and raise your interest rate (often to 28% or more!). Your creditor or a third party collector can harass you with phone calls at home and at work, and eventually you will be sued for the debt.

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