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Bankruptcy

Manos Legal Services > Bankruptcy (Page 10)

Mint Bill Payment Feature No Longer Supported

[ad_1] At Mint, our goal is to make money management effortless. From budgeting, to tracking your transactions to regular credit score updates, we aim to help you stay on top of your finances. We are continuously innovating and improving the Mint experience to make that as easy and effortless as possible. We want to inform you that as of June 30, the bill payment feature within Mint will be discontinued. While this means you’ll no longer be able to pay your bills through Mint, you will still be able to track your bills, set reminders and mark bills as paid. You...

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4 Things We Kept Hearing On Our #TalkAboutMoney Tour

[ad_1] Over the past five months, I’ve had the unexpected pleasure of traveling the country with Mint to talk in 11 different cities about money in celebration of the book my company recently released, The Financial Diet. My partner Lauren and I, along with our spouses or other members of the TFD team, joined Mint up and down both coasts and in the middle of the country to speak honestly with our audience about what money means to them, and the unique challenges that their city brings, financially. (Oh, and we also drank awesome wine and had tons of great...

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Tech-Savvy Ways to Save on Car Expenses

[ad_1] Buying a car is expensive. Really expensive. In fact, your car payment is most likely only exceeded by your rent or mortgage payment. And that’s not to mention the cost of gas, maintenance, insurance and all of the other things that go hand-in-hand with automobile ownership. But with new technologies and car sharing options available, there are now new, inventive ways you could save some dollars (or even make money) to help ease your monthly burden.Save on Repair CostsTo better understand the inner workings of your car, the latest apps (like OBD Auto Doctor, Dash, or Automatic) analyze driving performance...

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How to Patch Up a Leaky Budget

[ad_1] Do you consider yourself a financially responsible young adult? Personally, I like to think that my finances are mostly in order. Rent, student loans, car payments—everything big is blocked off nicely. If the math works out right, I have a bit left over every paycheck to go into your savings or retirement account, and a little on the side to have some fun. At least, that’s what should happen. Recently, I looked over my bank statement and noticed a bit less money than I’d planned for and this prompted me to think that a thorough checkup was in order. I hadn’t...

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How to Spot and Avoid the Most Common Travel Scams [Video]

[ad_1] [youtube https://www.youtube.com/watch?v=3RFSSPoMp38?enablejsapi=1&autoplay=0&cc_load_policy=0&iv_load_policy=1&loop=0&modestbranding=0&rel=1&showinfo=1&theme=dark&color=red&autohide=2&controls=2&playsinline=1&&w=480&h=270]While travel brings new adventures and an exuberant happiness you thought was only possible on television sitcoms, it can also be ruined quite easily by falling for a travel scam. It’s human nature to think that we are smart enough to avoid getting ripped off. But, the truth is, it happens to the best of us. Including me! From being overcharged in taxi cabs to connecting to fraudulent wifi networks, travel scams exist in one form or another all over the world. But fear not, if you educate yourself on them before you take off you can avoid even...

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How Cognitive Biases Can Drive You Into Bankruptcy

[ad_1] Are you familiar with the term cognitive bias? A cognitive bias represents an error in reasoning or decision making when you disregard accurate information in favor of your subjective preferences and beliefs. In other words, you exhibit a cognitive bias when you “go with your gut” rather than more objective information. Taken to an extreme, cognitive biases can lead you into bankruptcy, or can prompt bad choices when you are in bankruptcy. Here are some examples. Have You Fallen Victim to the Sunk Cost Fallacy? One cognitive bias I see frequently in my bankruptcy practice is the sunk cost fallacy. It usually takes...

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Can I Lower My Car Payment in Bankruptcy?

[ad_1] If you’re having trouble paying your monthly bills—especially that steep car loan— you might be wondering if filing for bankruptcy will lower your existing car payment. It depends on which type of bankruptcy you file, but bankruptcy could potentially lower your car payment. Here are basic descriptions of the two types of bankruptcy that you can file: A Chapter 7 bankruptcy, or “liquidation” bankruptcy, will discharge most of your unsecured debt. A trustee will attempt to sell any significant property to pay your creditors. A Chapter 13 bankruptcy, or “wage earners” bankruptcy, will reorganize your debts so that you can repay some...

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Why I Prefer Chapter 7 Bankruptcy to Chapter 13 Debt Consolidation

[ad_1] Most folks considering bankruptcy will consider two options – Chapter 7 and Chapter 13. Sometimes, you have the option of choosing either type of bankruptcy, whereas in other situations you would only be eligible to file either a Chapter 7 or a Chapter 13. When I meet with a client, I always start with the question of how can I fit this person into Chapter 7. It is not always possible, but, in my experience my Chapter 7 just works better – my clients get their discharge that wipes out debt completely, their cases are over in about 5 months,...

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How Bankruptcy Can Solve Your “Too Expensive Car” Problem

[ad_1] Next to home mortgages, motor vehicle loans are often your most expensive purchase. According to USA Today, the average transaction cost of a new car or truck sold in the U.S. was around $33,500. Lenders are now extending vehicle purchase loans to 6 years or longer, and when interest rates are factored in, you can easily find yourself responsible for $40,000, $50,000 or more. Unlike real estate purchases, motor vehicles are depreciating assets. If you finance your car or truck over 4 to 6 years, there is a good chance that you will owe more on your vehicle until year...

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Yes You Can Refile Your Chapter 13 Case, But Should You?

[ad_1] If you are facing a foreclosure, vehicle repossession, wage garnishment or other financial crisis, Chapter 13 bankruptcy can be a great tool to stop the chaos.  As the type of bankruptcy that includes a repayment plan, Chapter 13 can empower you to reduce your monthly payments, eliminate accruing interest on credit card debt, reduce your total indebtedness – all while protecting your real and personal property from creditor actions.If you are facing a foreclosure, vehicle repossession, wage garnishment or other financial crisis, Chapter 13 bankruptcy can be a great tool to stop the chaos.  As the type of bankruptcy...

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