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Idaho electric bill assistance can cut heating costs

As an Idaho resident who struggles with paying electric bills, you have assistance available to you. Here are a few resources provided through Idaho electric bill assistance programs that you may qualify for. Continue reading

Nebraska electric bill assistance is provided through two main programs

Thousands of Nebraska citizens are in need of electric bill assistance every year.  If you fall behind on your heat or utility bill during the harsh winter months, you may be terrified about having your power disconnected and freezing to death.  Fortunately, there are several programs available to help those in need avoid that type of fate. Continue reading

Adversary proceeding may discharge student loan debt in bankruptcy

The reason that student loans are not discharged in bankruptcy is not because it is impossible. Bankruptcy lawyers normally opt not to include an adversary proceeding as a part of your bankruptcy, which would be necessary if you were to eliminate your student loans through bankruptcy. Continue reading

Pros and Cons of Debt Negotiation

If you are struggling to repay debt and are tempted by the possibility of paying less than you owe, you should first consider the pros and cons of debt negotiation. The cons usually outweigh the pros, so it is important to see how the risks and rewards stack up given your own situation. Continue reading

There is Only One Government Program for Credit Card Debt Relief

Programs are available for credit card debt relief, and their effectiveness varies greatly by provider and type of program. We like to think that the government will bail us out just as they did the banks. However, there is only one government program that addresses credit card debt and it is not a grant. Continue reading