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July 2014 Archives

Report: over one-third of Americans have debt in collections

Our readers are aware of the debt problems faced by Americans, and the stress this puts on individuals and families. What readers may not know is that over one-third of Americans are indebted enough that they have debt in collections. That data, which comes from a recent study published by the Urban Institute, doesn’t speak well for the state of financial health in this country.

Why is credit counseling required before I file for bankruptcy?

Those who have been through the bankruptcy process know that one of the requirements is that one complete credit counseling and debtor education from an organization approved by the government both before the bankruptcy filing and before discharge. Programs which are government-approved should include the components required under bankruptcy law.

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Law Office of Ginger C. Cord, PSC
155 E. Main Street
Suite 330
Lexington, KY 40507

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