Giddens & Gatton Law, PC

The thought of filing bankruptcy can leave individuals feeling trepidation. On top of the financial stress they face, it is a tough decision to move forward with bankruptcy considering the myths and stigma that surround this form of debt relief.One concern that many...

Applying for a loan can be a complicated matter if an individual already has debt. That is why, in many cases, individuals will obtain a loan by cosigning with someone else. A cosigner is often a family member or even a close friend.Cosigned loans are very common...

Many people might wonder if there is such a thing as too much debt. Could a specific amount of debt prevent them from finding debt relief?The simple answer is no – regardless of how much debt an individual has, they have options to achieve debt relief. However,...

When individuals get calls demanding they repay their debt, it is easy for emotions, like fear and anxiety, to take over. However, one question remains: who is calling to collect the debt? Is it a creditor or a debt collection agency? This is an important distinction...

Military service members and their families make many sacrifices to protect the values and people of the United States.Most service members do not expect one of those sacrifices to be financial security. And yet, many military families report that debt and financial...

Losing a job can leave individuals suddenly facing considerable stress – and a lot of questions. How will they pay bills? How will they support the family?If individuals already have debt, these questions and worries only increase. Even though many employers...

Whether individuals file Chapter 7 or Chapter 13 bankruptcy, they will have to complete a considerable amount of paperwork to obtain the debt relief they need. When filling out this paperwork, one critical step individuals must take is to list all of their monthly...

In a recent blog post, we discussed the potential dangers of credit card debt. This report also found that the total credit card debt in the United States reached an all-time high at the end of 2019.Since most adults have at least one credit card, they are often well...

In a recent blog post, we discussed how individuals can manage their debt when unemployed. One of the first steps involves negotiating a different payment plan with creditors.There is no doubt that speaking with creditors can be overwhelming. So, here are some tips to...