Tag Archives: Lewisville

Can I Rebuild My Credit After Bankruptcy?

Some people believe that filing for bankruptcy can permanently destroy your creditworthiness. However, this is not true. Your credit scores are not permanent. While a record of the bankruptcy will remain on your credit report (for seven to ten years after the file date), you can start to improve your scores after filing. Pull your credit reports. The information in your credit reports is used to determine your credit scores. You can pull your three credit reports for free once per year by using annualcreditreport.com. Dispute any errors on your reports for a quick credit boost. Keep a close eye on your reports as you improve your credit. Make payments on time. Payment history is a major factor for determining your credit scores. Late payments on any remaining debt obligations will hurt your credit worthiness. Timely payments will improve your credit. Be responsible with credit. You may be able to…
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Is There More Than One Type of Divorce in Texas?

Divorce can be a confusing and frightening prospect for many married couples who want to split. There may be confusion over how divorce works in Texas and which options for divorce may be available. Some options for divorce in Texas have been mentioned in recent blog posts. However, there are multiple types of divorces in Texas that you may not know about. The different types of divorces in Texas may include but are not limited to: Mediation. We have talked about mediation (a mediated divorce) on many recent blogs. The reason why our blog discusses mediation so often is because it is an excellent divorce option for some people. If you are willing to cooperate with your spouse and use a mediator to create your divorce terms, then the divorce process may be much less stressful. Mediation is also an out-of-court divorce option, which can make it less expensive and…
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How Can I Resolve Unaffordable Medical Bills?

Medical bills are a common reason why people suffer financial hardship. Even if you have a decent health insurance policy, it is still possible to accrue tens of thousands of dollars in medical debt. You may have heard stories of some people with insurance policies receiving bills in the tens of thousands of dollars. These are typically cases where an out-of-network health care provider charges more than what the patient’s insurance provider is willing to cover. There are a couple of ways you could resolve unaffordable medical bills. Possible solutions include: Requesting an itemized bill to look for mistakes. An itemized bill would allow you to look for duplicate charges or services that were never provided. It is estimated that a majority of medical bills contain mistakes. You could notify the hospital or clinic of these mistakes to lower your bills. Negotiating a payment plan with the hospital. The hospital…
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