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More than 14% of Americans have trouble paying medical bills

On behalf of Chad Edward Cos, LLC posted in bankruptcy on Friday, February 14, 2020.

Medical bills in this country are often pricey. Even for the people who have decent insurance, there is a chance that things like co-pays, deductibles and expenses that aren't covered can add up quickly. Trouble paying these bills isn't something that's new, but it's still very difficult to deal with.

Over 14% of Americans had trouble paying medical bills in 2018. This is down from 2011 when around 20% of Americans had.trouble with this. The problem is that the issue doesn't end just with the medical bills. It can also creep into other facets of life, including being unable to pay for food or housing costs.

Steps to take when you're surprised with a divorce petition

On behalf of Chad Edward Cos, LLC posted in family law on Friday, January 31, 2020.

Finding out that your spouse had filed for divorce when you don't see it coming can be a difficult situation. The steps you take in the upcoming weeks can have a major impact on your future, so you need to take the time to think about everything that's going on. Making decisions in your best interests becomes the top priority in your life.

One thing that you should do as soon as possible after you find out your marriage is over is to gather important documents. These don't have to be the originals in most cases, so grab copies if necessary. Some of the things to gather include bank and investment account statements, mortgage documents, titles and deeds, and anything else that might become important during the divorce.

Student loans: Bankruptcy ruling gives glimmer of hope

On behalf of Chad Edward Cos, LLC posted in bankruptcy on Friday, January 17, 2020.

Many people think that you can't get student loan debt discharged in bankruptcy, but this isn't always the case. The truth here is that it is difficult to get them discharged, but it isn't impossible. A recent case involving a Chapter 7 bankruptcy ruling shows that it is possible.

A United States Navy Veteran opted to use student loans to fund his law school education from 1993 and 2004. He amassed $116,500 in student loans. Thanks to interest, those have ballooned to $221,400. Recently, a bankruptcy court judge ruled that the full balance of the loans could be discharged as part of his case.

Overwhelming emotions make it hard to make divorce decisions

On behalf of Chad Edward Cos, LLC posted in family law on Friday, January 3, 2020.

Going through a divorce can bring up many feelings that you don't expect. This shocks some people because they don't expect to feel sad or upset that the marriage is over especially if they are the person who filed. They think they have come to terms with the split before the petition was filed. We know that it is hard to think clearly when these emotions flood over you.

You can't let your emotions control what you do when you are working through the divorce. Instead, you need to be able to keep a clear head so that you can make decisions that are in your best interests. This often means that you need to take a step back and look at things from a practical standpoint.

Accommodations that might help you cope with a brain injury

On behalf of Chad Edward Cos, LLC posted in personal injury on Thursday, December 19, 2019.

Living with a brain injury is difficult, but some people don't realize how even the simplest of tasks can become a lot to handle. One of the more common symptoms of a brain injury is trouble with memory. In order to address this, the victims have to figure out what types of methods they can use to combat these changes.

For some individuals, trying to keep their daily schedule is a challenge, but they can use things like electronic calendars and scheduling apps to make it easier. Sometimes, multiple options can ensure they don't miss anything that they are supposed to do.

Prenuptial agreement terms must be set according to law

On behalf of Chad Edward Cos, LLC posted in family law on Friday, December 6, 2019.

Prenuptial agreements serve an important purpose in marriage. The agreement enables you to have an idea of what will happen if the marriage doesn't work out.

There are many things that you signal that a premarital agreement might be a good option for you, but there are also some that show that it isn't a good idea. If you are considering a prenup, make sure that you get started as early as possible. You and your future spouse both need to be able to consider the terms before signing the agreement.

Stop creditor harassment in its tracks

On behalf of Chad Edward Cos, LLC posted in bankruptcy on Friday, November 22, 2019.

People who are past due on their bills often don't like to answer the phone or check the mail because of collection attempts by debt collectors. While it is understandable that they will try to collect what's due to them, there are limitations to what they are allowed to do. The Fair Debt Collection Practices Act (FDCPA) sets certain standards and limitations for this.

The FDCPA strictly forbids creditor harassment and abuse. They can't call you repetitiously just for the purpose of annoying you. They can't threaten to harm you or do anything violent to you. They can't use profane language or refuse to tell you who they are. They are also forbidden from publishing lists of individuals who refuse to pay them.

Keep your cool when your spouse asks for a divorce

On behalf of Chad Edward Cos, LLC posted in family law on Friday, November 8, 2019.

Some people know that the end of their marriage is nearing, but when you hear your spouse ask for a divorce, you might become desperate to work things out. While this might be your focus, you should remember that you can't force it if the other person doesn't want to remain with you.

It is imperative that you keep your cool when you are told that you are facing a divorce. Becoming angry is understandable, but it might work against you. Instead, remember that there is time before the divorce will become finalized. You can address many of the issues you have during that time.

Understand how the automatic stay works in bankruptcy

On behalf of Chad Edward Cos, LLC posted in bankruptcy on Friday, October 25, 2019.

When you are struggling to pay your bills, there is a good chance that some will fall by the wayside. This can initiate collection calls that become bothersome after a bit. Sometimes, creditors will outright harass people, but this isn't acceptable. You probably just want the constant contact to stop. One option that you have to take care of the past due bills and the creditor calls is to file for bankruptcy.

When you file, the court issues an automatic stay. This is an order that prohibits creditors who are included in the bankruptcy from contacting you. They can't call you, send you mail, email you or stop by your home.

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