LaToya Irby is a full-time freelance writer and a graduate of the University of Alabama. She primarily writes about personal finance, freelancing, and other self-employment topics.
Bankruptcy comes with many rules. It’s important that you follow them all, otherwise your bankruptcy case could be dismissed. If that happens, you’ll have to wait several months before you can file bankruptcy again. Or,… Mistakes That Could Cause Bankruptcy Dismissal
When you use your credit card, you’re agreeing to abide by the credit card issuer’s rules. And if you break the rules, you’ll have to pay a penalty. The good news is that the rules… You Have the Power to Avoid Credit Card Penalties
Many of us have probably been guilty of thinking that a just a few extra hundred dollars in our paychecks would forever end financial problems. But that’s not always the case. Each time a famous/rich… Famous People Bankruptcies Show More Money Isn’t Always the Solution
April is Financial Literacy Month and to celebrate, the National Foundation for Credit Counseling and the Network Branded Prepaid Card Association have completed a financial literacy survey. One of the most surprising results is the… One Third of You Aren’t Paying Your Bills on Time
Many people get excited around tax time. Who doesn’t want a few extra hundred or thousand dollars in their pocket? The more, the merrier. Do you really understand how tax refunds work? You may have… Tax Refunds Are Not Ideal, But Are Still Useful
Waiting for a response to a credit card or loan application can be nerve wrecking. You might half-expect to be turned down if you know you don’t have a good credit history. On the bright… Expect an Explanation for Being Denied
An important financial measure that lenders use – and that you can use too – is the debt-to-income ratio. Lenders use the debt-to-income ratio to qualify you for a loan because it tells the percentage… What Your Debt to Income Ratio Means
Hackers target companies that store sensitive consumer data – like passwords, social security, numbers, and credit card numbers – all the time. Unfortunately, some hackers are successful at dodging company firewalls and stealing customer information.… Reducing Identity Theft Risk After a Data Breach
Gas prices are expected to reach record highs this summer which means filling up the tank could get pretty painful. You may consider offsetting the high cost of gas by getting a credit card that… What Makes a Good Gas Credit Card
A credit card charge-off is the worst credit card status you can have. That’s why you should avoid letting your credit card get that delinquent, if you can help it. How Charge-Off Happens You’ll have… What Happens When a Credit Card is Charged-Off