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How to Find a Financial Advisor If You’re Not Rich - US News

How to Find a Financial Advisor If You’re Not Rich - US News | Credit Terms | Scoop.it
Options for middle class investors seeking solid financial advice.
Rogelio Gomez's insight:

Financial planning is important for the people who dont know hoe=w to manage them selves financially.

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Stolen Identity? Here's What to Do | Nolo.com

Stolen Identity? Here's What to Do | Nolo.com | Credit Terms | Scoop.it
Here's a checklist of the steps you need to take if you suspect your identity has been stolen.
Rogelio Gomez's insight:

If you realize that your identity has been stole follow a few steps.  First cancell all your credit cards and contact the credit bureau to see how your credit score is.  then call police to notify them that you have had your a identity stolen.

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When Chapter 7 Bankruptcy Is Better than Chapter 13 Bankruptcy | Nolo.com

When Chapter 7 Bankruptcy Is Better than Chapter 13 Bankruptcy | Nolo.com | Credit Terms | Scoop.it
For many debtors, Chapter 7 bankruptcy is a better option than Chapter13 bankruptcy.
Rogelio Gomez's insight:

The three different types of bankrupcy are 7,11,13 and they all have there advatages.  the advatgae for chapter 7 is that it is short and doesnt take very long.  chapter 13 you completely have to pay for your debt and that could take up a lot of time.

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Warning signs of a debt problem: Actions and options | The Maryland People's Law Library

Rogelio Gomez's insight:

recognize you have a problem or that you are in debt.  Make sure you you dont keep going with you life if you know you have debt look for help and keep track of your spending. 

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Financial Counseling: What, Who, When, and Where

Rogelio Gomez's insight:

financial counseling helps people plan and manage them selves financially.  there are different types of counseling services.  those services can hlp people out who dont know how to financialy manage them selves.

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Immediate Steps to Repair Identity Theft | Consumer Information

Immediate Steps to Repair Identity Theft | Consumer Information | Credit Terms | Scoop.it
Rogelio Gomez's insight:

getting your identitiy stolen is not a pleasent thing.  Fisrts you must place a anitial fraud alert.  check your credit reports so that you can see if your credit score is bad or good so that your future buyings wont get affected. thierd creat a id theft report.

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Differences between Chapters 7, 11, 12, & 13

Rogelio Gomez's insight:

going into bankrupcy is not good at all but knowing different types of bankrupcy is good so that you can get on the right track.  Chapter 7,11,13 are all different types of bankrupcy for a different reasons.  Its good to know those three differnet types so that you can know what to do.

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Warning Signs of Debt Trouble | Apprisen

Warning Signs of Debt Trouble | Apprisen | Credit Terms | Scoop.it
If you see yourself in two or more of these warning signs, you should seek help immediately. If you think you’re having financial problems, you probably are. The sooner you take action, the easier the problems are to solve.
Rogelio Gomez's insight:

Keep track of your actions and be careful with what you do.  Falling into debt is easier than it is to get out of debt.  recognize the signs that you may or may not have and take action.  make guidlines for your self and it can help you stay out of debt.

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