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FICO scores can range anywhere from 300 to 850. The average score averages between 698-716. The few people who do manage to achieve a perfect credit score tend to share three key traits.

Filing for bankruptcy before retirement can have several potential benefits, depending on your specific circumstances. Here are a few potential benefits of filing for bankruptcy before retirement:

Some federal student loan forgiveness programs remain in place or are being expanded. And these programs can provide significant relief. One of these is something that has, in the past, been very difficult to achieve. Discharging your student loan debt through bankruptcy.

It is all over the news, there has been an implosion of cryptocurrency value. This has caused many to start cashing out to avoid large losses. And now, some of the banks and organizations that supported the crypto markets are failing because they do not have the cash to support customer withdrawals.

If a couple wants to file for bankruptcy, they can make the process more efficient by filing a joint petition rather than filing individually. The papers included in the joint petition will cover all of the spouses’ assets and income, as well as their total debts and expenses.

A Federal Reserve report shows U.S. household debt increased to a record $16.15 trillion in the second quarter, driven mostly by a $207 billion jump in mortgage balances, with credit card and auto loan debt also rising as consumers lifted their borrowing to deal with soaring inflation.

This is an area of concern for security clearance applicants where one would think that there really wouldn’t be much of an issue. In fact, it can be so problematic that I have seen a number of situations where it has prohibited an individual from ever getting a security clearance.

When you’ve run into difficult times, it’s not unusual to be unable to pay a bill or have it slip by unnoticed. However, when those debts are sold to a debt collector, you may feel as though you’re in a never-ending battle.

If your loans are eligible, you’ll temporarily regain several student aid and credit reporting benefits. You’ll also get the opportunity to get out of default and keep those benefits for the long term. Eligibility depends on the kind of loans you have, and at what point the loans defaulted.

By Ronald C. Sykstus

Over the last three years or so, I have seen a marked increase in people who hold or are trying to get security clearances running into issues as they relate to psychological conditions. The guideline that controls security clearances references,