Vance P. Truman, Attorney at Law
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October 2016 Archives

What can you do when your student debt is too much to handle?

If you are buried under a lot of student debt, it is easy to think that a bankruptcy might be your way out of it. However, it is important to understand that bankruptcy filings can't fix everything. And in this case, bankruptcies are nearly impossible to utilize as a way to address your student debt. There have to be extreme circumstances for a student loan to be forgiven, and they usually involve the death of the debtor or a disability that dramatically affects their ability to work.

What are the parameters for triggering wage garnishment?

Wage garnishment can be a punitive and troubling element in any person's life. Your income and paychecks are obviously vital to your ability to live your life and pay for things that are basic and crucial. So when an outside entity has the ability to come in and claim a portion of your wages due to a debt that is owed, it can make an already stressful situation even worse for the debtor.

Myths surrounding bankruptcy

"Bankruptcy" often feels like a huge intimidating word looming over our heads when we're facing severe debt, but in reality, there are a lot of false ideas about bankruptcy that make it seem scarier than it is.

What is an automatic stay and how does it apply to bankruptcy?

Dealing with creditors is something that no one wants to think about. Just the thought sends shivers down the spines of millions of Americans. The ceaseless phone calls; the endless letters; and the constant dread that you live with that at any given moment, you may be dealing with severe legal action or punitive financial consequences.

Americans carry a lot of credit card debt

Credit card debt will always be a problem for people. But in America, this problem runs pretty deep with many people. According to recent data, the average American carries $3,600 in credit card debt. However, that is a vague statistic that leaves out a lot of other potential factors. For example, most Americans may carry credit card debt most of the time but they pay down their balance at the end of the month. There are also 60 percent of Americans who don't carry credit card debt at all.

Post-bankruptcy: Cultivating a new attitude about credit card use

For most of us, debt problems begin with credit cards. If we lose our jobs or have a health problem or get divorced, we turn to our credit cards "just temporarily."

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Medina, OH 44256

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