Author: Carlos Alvarez

Filing for bankruptcy can be a difficult and stressful process, but it doesn’t have to be. With a little help from the legal system and your creditors, you can develop a plan to pay off your debt over time. This is called a chapter 13 bankruptcy, and it’s different from a chapter 7 bankruptcy, which uses your assets to pay off your creditors. Leaving your chapter 13 bankruptcy protection plan early may seem like a good idea, but there are some things you should consider before making that decision. Once you leave the protection of the plan, you may be…

Getting out of debt can be a difficult task, especially when you have a large outstanding balance. However, there are ways to get rid of your debt without actually paying off the balance. There are a few options available to those struggling with student loan debt. The Teachers Loan Forgiveness program and the Public Service Loan Forgiveness program may be viable options. Another option for those with credit card debt is to enroll in a debt settlement program or file for bankruptcy. However, there are also risks associated with these options, such as being sued or having to sell assets.…

Debt can be a scary thing. The thought of old debts coming back to haunt you is enough to keep anyone up at night. But what about zombie debt? Zombie debt, also known as phantom debt, is an old or expired debt that has been purchased by an investor or scammer at a deep discount. The goal is to get misinformed debtors to pay back money that they are no longer legally responsible for. Learning about zombie debt gives you the tools you need to deal with scammers effectively. Most old debts will disappear from your credit report after seven…

The wave of revolutions that swept through North Africa and the Middle East in 2011 would not have been possible without the courage shown by people living in small Tunisian towns like Sidi Bouzid. A protest against government corruption evolved into an angry demand for democracy, which led to demonstrations across other countries such as Egypt, where it began to spread internationally with the demands being made heard around every corner: from Paris all way to London’s distant suburbs within just one year. These are some of the stories and movies about the Arab Spring recommended by Mordechai Boaziz. In…