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Whether you and your spouse are liable for each other's debts depends on where you live. In the states with "community property" rules, most debts incurred by one spouse during the marriage are owed by both spouses. But this may not be the case in states that follow "common law" property rules.
There is no legal right to have a valid tax bill reduced by the IRS -- it is entirely a matter of government discretion. But if you qualify for something known as an offer in compromise, you may be able to wipe your tax slate clean at an enormous discount.
If you are facing foreclosure and are unable to work out a deal with your lender, Chapter 7 bankruptcy can stall the foreclosure temporarily and allow you to save some money to move to a new home. Chapter 7 also can cancel the debt secured by your home and prevent tax liability for this cancellation.
If you have high expenses, you can earn significant monthly income and still qualify for Chapter 7 bankruptcy. This article shows you simple ways to determine whether you could pass the means test -- and, therefore, use Chapter 7 -- if you were to file for bankruptcy.
An accurate credit report is essential to good financial health. To clean up your credit report, you'll have determine what's inaccurate or out-of-date, request that the credit bureaus fix the information, and then follow-up with each credit bureau. Start by ordering a free credit report.
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