Hacks on How to Make More Money
he money making the machine that some people seem to be is nothing but a careful organization of their time, effort and skill to realize useful results.
Mistakes to Avoid When Filing for Bankruptcy
If you have made a decision that you want to file for bankruptcy, then the first thing that you should endeavor to do is to get yourself a bankruptcy lawyer.
cash advance

Mistakes to Avoid When Taking a Cash Advance

A cash advance can help save you from a financial crisis and meet some urgent needs for money.This include such things as fixing a car that has broken down or sorting an overdue bill. However, it would help if you were well-informed before applying this form of credit. Among the critical things to consider is how fast the loan will be processed.

But even with the advantages of easy and fast approval, there are some mistakes that you could make when taking cash advance that can cost you so much. The following are some of those mistakes that you need to avoid:

Not Understanding the Total Cost

total cost

When it becomes necessary to take a cash advance, you should seek to know what the total cost of the loan is. Surprisingly, some lenders may have excessive interest charges, which they arrive at using hard to grasp calculations and unclear laws. On top of that, some lenders may have other hidden costs like processing fees and others, which amounts to substantial figures. It would be best to demand to know upfront all costs involved and even get to know the total amount you will be expected to repay.

Not Comparing Several Lenders

comparing various options

Just as the case with other products that you could be buying, shopping, or comparing several providers that offer cash advance is necessary. It is a big mistake to settle for the very first lender that you come across. Take your time to compare and evaluate several lenders to find the one with the lowest rates and any other significant advantage. The process may take some of your time or a little money, but you will save a substantial amount down the road. The good news is that you could find some websites that review several lenders hence save you much hassle.

Failing to Consider Alternatives

alternative to cash

While getting cash is critical in some scenarios, sometimes, you could use other options like a credit card. The other cheaper options could work well in some situations and would save you some cash.For example, if you need to purchase goods and have a credit card, using it could help you avoid the cash advance fee. At times you may also have a card with a 0% introductory annual percentage rate (APR). Swiping such cards for purchases when you are short of cash could be far cost-effective.…

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How to Know the Right Personal Loan Lender

Personal loans are preferred by loan seekers because of their versatility. They are sought for various reasons such as payment for medical bills, car repairs, tuition fees of children, and many more. Collaterals are needed when applying for personal loans. You may expect a faster release of your personal loan that other types of loans, but that may depend on the lending company.

Although there seem to be more lax requirements when applying for personal loans, this may not be the case with banks and other lending institutions. Loan provisions vary from lender to another. When looking for the best lender to help you with your current financial need, you must take some effort and time. There are many lenders out there, and finding the most reputable may prove to be a challenging task.

loan applicationAsk from Friends

Many have been in your position before. Financial difficulties can strike anybody. Probably, you have friends who sought the help of money lenders in the past. Ask about their experiences with money lenders. You will know the lenders near you. From there, you can choose where to apply for a personal loan basing on the recommendations of those you trust.

Know Lender First

It is better to talk to the lender first before submitting your loan application form. By doing so, they will explain to you the terms and conditions that come along. You should understand all the provisions better if you are furnished with a hard copy of your loan terms. You will be able to know all your duties and penalties if you fail to fulfill those responsibilities.

Ask Computation of Dues

You should be given a copy of the monthly amortizations that you are going to pay. An honest lender will be transparent in its computation of your dues. You will be assured that there are no hidden charges that are added to your loan.

shake handsLoan Should Be Released as Scheduled

This one is crucial. Once the lender told you the time and date of the loan release, it should be ready for you to pick it up. If it does not happen as promised, you should start looking for another lender.

Choose the Suitable Payment Option

There should be more repayment options so you can choose that suits your ability to pay. This will prevent you from accruing penalties in the future. It will also be more convenient for you if you can pay online.…

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a person using a smartphone

Benefits of Online Loan Application

Applying for loans online has been a common practice, especially today, when everything turns to its digital version. Although some people still prefer the conventional way, the invention of digital loan portals has taken the practice to a whole new level by providing applicants with easier and more comfortable ways. It turns out to be a great lifesaver for some, especially those who are barely able to leave home due to household chores. In short, we should all agree that technological developments are meant to bring convenience and positive impacts, although it does not always go to the desired paths.

a person using a laptop

Applying for loans online has several benefits. We should start by defining what personal loans mean and how it helps those who need it. The term means financial aids as a product from banks or other finance agencies to help those who need to make ends meet. Below you will find the advantages of such a practice, especially if you find yourself trapped in a financial crisis and need help immediately.


stacks of coinsThe first thing that applicants can expect is convenience. The new practice of applying for a loan has reached a point where applicants no longer need to go out to visit the institutions or loan providers to submit their application files and documents. All they need to do is open their gadgets, either smartphones or computers, to click the site, read the regulations and policies, prepare all the documents required, and proceed with the processes.

Save Time and Money

Getting a loan is supposed to be a financial help that helps applicants get extra money for their expenses. Now, can you imagine spending days to finish the procedures and a significant amount of money for the copies of files and transportation? It does not make any sense at all. Fortunately, online loan application comes and offers solutions by providing them with easy access. They do not need to leave their homes or spend dollars to prepare for the required copies of files.

Lower Interest Rates

Another benefit of such a practice is that most providers offer lower interest rates. These agencies do so as they categorize the types of financial aids based on the purposes. Personal loans are meant to help make ends meet in the context of domestic needs, such as daily expenses and children’s pocket money. It is why most providers offer lower interest rates.…

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Reasons to Hire an Accounting Firm

Small business owners can be limited when it comes to the number of staffs that they should hire. For many startups, the cost of hiring an accountant can be high. In case you do not have a sufficient budget, you can hire an accounting firm.

With an accountant, you can be sure that your accounting work will be done professionally. Accounting firms will also help you with your tax issues to make sure that your tax has been taken care of. Here are some reasons to hire an accounting firm:

Comply with the Law

If you want to comply with the law, make sure that you hire an accountant. Accounts are conversant with bookkeeping and also with tax information. Most of the companies are required by law to present their books of account annually.

You can only present your books of accounts if they have been properly prepared. Accountants know how to prepare books of accounts in relation to the law. You will also be able to keep up with your tax obligation’s when you hire an accountant to take care of it.

coins and pens

Save Cost

Hiring an accounting firm is also an excellent way to save cost. It is the dream of every business to minimize cost and make more problems. If you are starting, hiring a full-time account might seem like a big stretch.

You need to get someone with the skills and experience on accounting work. Instead of having them in the office every day and paying a retainer, you will only pay them per project. This is an excellent way to save on salaries and overheads that come with a full-time employee.

Focus on Your Job

If you want to focus on your job, make sure that you outsource an account. If your job is all about information technology or creativity, you need to avoid accounting work. Keep the accounting work to professionals who will focus on the job because they are good at it.

Trying to focus on accounting when you are not skilled in the area can be difficult and time wasting. To become good at what you do, try and focus your energy on one thing.


Improve Efficiency

Accounting is an important part of your business. You need to make sure that the job is done effectively. The job can only be done well by hiring a qualified account.

With qualified accounting, you will be able to know where your business stands. Making serious financial decisions for your business will be possible.…

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stealing money

How to Get Your Contributed Savings Back after You Stop Paying Monthly

Are you aware of the fraud going on in the personal finance industry? Many people lose their hard earned money thinking they are saving only to realize that they got the wrong end of the agreement. Saving is a good practice, and when you have a chance to do it, you should go by any means.

On the other hand, some companies fail to give you a full disclosure of their practices and their use of your money. They do not tell you about fees and other things that might cause you to get less than what you put in and in some cases lose all the money you put in the savings plan. Here are remedies to follow when you are a victim of a personal finance product.

Gather Your Documents

You will need all the documentation you have to help prove your case against the company and its products that duped you. Therefore, maintain the documents you use for your savings plan. Ensure that you also try and keep any correspondence with the company when you are trying to claim the money.

The documentation will help to prove that you are indeed taking the necessary effort to follow procedures as laid out by the firm to get your money. Documentation also helps with identification on your part.

Find a Financial Claims Specialist

A probable way to ensure that your claims have a high rate of success is to go for professionals in the business whose job is to make the claim negotiations on behalf of their clients. You will need the financial claims specialist to evaluate your case, advice on the money you can get back, and negotiate for a repayment option in case there is no lump sum payment facility available. Check out www.moneyandme.co.uk for additional details.

Create a New Fund

You might realize that you can recover your funds but will not be able to access them because of certain regulations about the maturity of the funds. Therefore, if your savings or pension fund does not let you withdraw earlier than a certain year, the best you can do when making a claim is to transfer the funds to a new product you sign up for with a different company.

Make sure you take the lessons learned from the first encounter seriously. They will help you avoid losing your money a second time. Transfer the contributed savings and any employer matching contributions to your new product and terminate the old one.

up dating info

Update Your Information

In another case, you will not need to go through a claims process. The reason is that you might be facing difficulties to access funds because you do not have an update record. If there are changes in your situation such as a different job or an increase in your family and a legal condition such as getting married, then you might want to update the details on your fund managers’ account.

The upgrade is also useful in case you want the funds to transfer to a particular person or when you are seeking to take a loan and other things with the funds.…

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Calculator with red keypad

Tips for Choosing the Best Accountant for Head of Household Taxes

If you are qualified to file your taxes as a household head, you need to understand the protocols required to determine your eligibility. Sometimes, paying the taxes as a household head is not easy, you need to consult an accountant to help you with the complex procedures that will let you know where to start. Hundreds of systems are also available to give you a clue on how to calculate your taxes and eligibility.

Remember that the methods you use or the accountants you hire will influence the amount of money you will pay for the taxes. Ensure you make a conscious decision to avoid extra charges and penalties. The following are tips for choosing the best accountant.

Accounting Services

TaxesWhen you are looking for the best accountant to help you with the head of household tax services, you need to consider the accounting services that he or she offers. Ensure that your perspective one is good at categorizing the taxes, evaluation processes and reporting the monetary information before and after filing your taxes. Likewise, you should ensure that the accountant can make financial clarifications so that you can have vital information about your possession, liabilities, success, and equity in various aspects of filing your taxes.

Tax Planning and Financial Analysis

As a taxpayer, you understand that the tax rules can be complicated and the techniques are difficult to understand if you do not have more knowledge on what you are doing. You need to hire an accountant to help you with the tax planning and financial analysis. An accountant with such skills will help you to avoid late tax filing as well as advise you on the best techniques to avoid penalties.

Ensure that the accountant has the right knowledge and understanding of the tax laws in your country so that you do not make mistakes that will lead you into serious trouble. They should also be good in the financial analysis so that he or she does not expose you to risks.

A Good Advisor

When you are choosing the best accountant for your head of household taxes, you need to prioritize someone who is an expert advisor in the taxation field. You will want to work with someone who is willing to share important information besides helping you with the tax filing processes. The accountant should be able to educate you on the important aspects of taxation that will not expose you to penalties and the best techniques to overcome.

Compare the Fee

Squeeze walletIt is important to compare what the tax accountants or preparers are charging for their services. You need to be keen on the charges to avoid those accountants who aim to overcharge you.

You also need to prioritize an accountant with an affordable charge over the services that he or she delivers. You will want to pay less for quality services, ensure that you make the best comparison so that you do not end up paying more.…

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Tips On How To Start Your Bitcoin Exchange

So you have realized the many benefits associated with Bitcoins, and you feel that you start your own? Well starting your digital currency is a lucrative business idea that many people are yet to embrace. It gives you the assurance of getting the desirable returns within the shortest period possible. Now the only question that you could be asking yourself is what does it take to establish a success electronic exchange. Here are some important tips that will help you make the right investment.

Extensive research

Extensive Bitcoin Once you conceive the idea of establishing an electronic exchange, then next thing that you need to do is to carry out an extensive research. You need to gather as much information as you can if you want to run a successful business. First, you need to understand that there are many types of digital currency in the market and for you to get the most out of the investment, you need to choose the right type. This means that you first need to evaluate all the types that are on the market and get to know the disadvantages and advantages associated with each one of them.

Scope of exchange

Once you have gathered all the information that you will need to make the right choice, the next thing will be to establish the scope of exchange. As much as Bitcoins and other digital currency allow you to exchange and do business in any part of the world, you will be required to obtain a license for your operations. This, therefore, means that will need to determine the scope of your exchange for you to move on smoothly with your investment.

Understand the regulations

You do not want to find yourself on the other side of the law just because you want to make money out of the online world. So to avoid such scenarios, you need to make sure that you have a good understanding of the rules and regulations governing your country and the whole business. This is information can always be found online, so accessing it will never be a big deal.


Bitcoin When it comes to digital exchange, partnering with a good bank is something that you can never avoid. So always spend some of your time choosing the bank that you are you going to partner with. Here, you need to make sure that you choose you to choose a bank that will help you get a better understanding of your customers. You can check out binance exchange review for more information.…

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Various Characteristics of Investments

When you are planning to invest, there are many things you need to know. First, you are required to know the characteristics of an investment. This will help you to know some of the useful factors you need to consider and some that you can avoid when making your final investment decision. After you have known the best characteristic of investments, you will never be in trouble because you know what’s best for you. Research around and visit some websites to learn more concerning investing.

It is essential to understand that investment can help you in the future if you conduct your investment correctly and wisely. That is why you can look for a financial advisor who may help you to plan for your financial investments efficiently. Planning is one of the techniques you can use before you make any decision and it is likely to help you in all fields.

Investment characteristics

Tax efficient

paperOne of the significant characteristics of investment is tax efficient. When you are making your investment, you will notice that most of the investments are tax efficient. This, therefore, enables most of the investors to have some control over the taxes and timing. If you are planning to invest, you will be advised to avoid mutual funds because they have high turnover due to their tax inefficiency.


When you are investing, ensure that you choose the kind of investment that you can quickly sell in one minute if you decide to. By considering liquid investment, then you will know the exact value and price of your investment. And most of the investing companies recommend that most of the investment funds meet this type of a standard. Good examples of liquid investments include structure products, private company stock, annuities, hedge funds, private real estate partnerships, debt company stock and many more.


saving bookIt is crucial to consider an investment that is easy transparent and simple. Majorly, if you find that you do not understand a particular investment, then do not choose it. Therefore, investments are open and very simple. This is because most of the investment companies know exactly what they own. However, some complicated investments are designed just for the favor of the seller. But you need to avoid such investments if you are planning to invest.…

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US dollars

Types of Installment Loans in Las Vegas

An installment loan is a type of loan wherein the borrower is expected to pay in small portions within a given period. Note that installment loan payment varies depending on the type of asset or reason you have borrowed the money for.

For example, if you take up a credit to buy a home which is referred to as mortgage loan, you may be required to take years to repay the loan, unlike someone who received a loan to take their children to school. This kind of loan payment service is practiced in different places, which include Las Vegas.

Here are some types of installment loans:

Cash loan

coins in a jarWe all, sometimes, in our lives need some financial boost to either solve an emergency or even to upgrade our businesses. Well, the best loan for these reasons is the cash loan since it is fast to get. You can get the cash loan and have an agreement with the creditors to be paying in small amounts maybe every month if you are employed or after some time for those who are self-employed.

The terms of the payment will depend on the amount of money that you borrowed. If it is a significant amount, then you may be required to pay a hefty installment so you will be able to complete the payment with ease.

Student loan

As a student, you may be excellent academic wise, but you lack enough funds to finance your college education. In such a case, you can borrow some loan to pay for your tuition and any other education cost that you may incur in college.

This money is usually paid by the borrower after they leave college and secure a job whereby it is deducted directly from their salaries to the creditor’s bank account. This payment is made in small bites until the person completes all the loan payments.

Mortgage loan

If you wish to own your own home with your family, you can quickly achieve your dream by taking up a mortgage loan. Note that when it comes to taking this type of financial service, one is required to, first of all, put up a down payment of the total amount of the house. Then once you receive the money to purchase the home, you will agree with the lender regarding the amount of money that you will be paying on a monthly basis and the number of years it will take you to complete the payment. The repayment of the mortgage installment will depend on the amount of money you borrowed as well.

Car loan

car loanNot many are able to acquire a car with cash and, therefore, the other alternative is to get a loan and pay by installment method. In this case, you have to make sure that you keep up with the payment as per your agreement with the lender. Failure to do so may cost your car getting repossessed by the lender.

The above are the four common installment loans that one can get for various reasons. Make sure that you acquire the loan from a reputable lender and also ensure that everything is put in writing for security purposes. In the case where you are acquiring a cash loan, make sure that you have the means for paying the loan as you will need to maintain a good relationship with your lender.…

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interest rates

Why Do People Take Loans?

Corporates and individuals take loans on a day to day basis for various purposes. According to recent research, more than 50 percent of individuals spend slightly more than what they earn. This, therefore, leaves them in a precarious position since they need to bridge that gap.

One of how they bridge the gap is by taking loans. The loans can, therefore, be categorized into two: business and personal loans. This article looks at the various reasons as to why people take loans.

Establish their business

To begin any business, you require capital. In most cases, the capital is usually a huge sum of money, which not many people can afford. This is the reason why people take loans to enable them to set their businesses. Both individuals and businesses can borrow money to establish their businesses or to expand.

Taking a loan to either establish or expand a given business is one of the primary reasons as to why people take loans.

Debt consolidation

When you have more than one debt, you can combine them into one and pay a higher interest rate but for have the payment period spread over a longer duration. Consolidating the various debts into one makes the process of paying the loans easier.

Before you are allowed to consolidate your loans, you might be required to pay a significant sum of money. Many people may, therefore, decide to take a loan to consolidate their existing loans.

Paying for school fees

One of the most popular reasons as to why people take loans is to help them pay their school dues. The cost of education, especially the higher education is high in many countries, and not many parents can afford to pay the school fees for their children.

Since education is one of the fundamental rights and one of the ways of empowering a community, many parents usually resort to taking loans to pay for their children. The working classes who also decide to further their education usually apply for loans.

Build a house

loans for houseBuilding a house whether rental or personal is costly. Very few people can build houses from their monthly salaries. One of the most popular methods that people use is taking loans or saving from their monthly salary.

If you want to build a house and do not have enough money, you can apply for a loan and build your house. This also applies to another aspect of real estate like buying land. Watch the video below on why people take loans:

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man holding cards

Different Types of Bailiffs

We have different categories of bailiffs, and they differ depending on the types of debts. You should not confuse between the bailiffs and the debt collector. The debt collectors are people who are employed in private companies for debt collection while a bailiff is authorized so that he or she can collect a debt on behalf of a particular creditor. They can seize someone’s power in case of failure to pay a debt and sell the goods to a public auction. Different bailiffs have different powers in the industry.

Enforcement agents

Enforcement AgentsThis is the most common category of bailiffs. They were previously known as certified bailiffs. The work of this enforcement agent is to take goods of a debtor who has failed to pay his or her debt and sell them to repay the debt. These agents are considered as representative of the court though they are not the officer of the court.

Private companies always employ these agents, and they usually act legally on a warrant from the court for debts. Therefore, their conduct is certified and controlled by the court. A certified bailiff always renews his or her certificate after two years.

High court enforcement officers

These types of bailiffs are also called civilian enforcement officers. The high court magistrate employs them. They are a high standard type of bailiff because they can manipulate or execute a number or warrants. These warrants may include the arrest warrant and the distress warrants. They work as private sector bailiffs; they usually are appointed so that they can enforce the high court orders and the county court order that a creditor wants to transfer to a high court to be enforced

County court bailiffs

County Bailiffs The county court employs these civil servants. Their work is to enforce court orders at the county level. They also enforce rules that have been made at tribunals that have been transferred to the county court by a creditor to be enforced. You might ask, can bailiffs enter your home? Of course, they can.  These officers have the capability to seize someone’s good and sell them to repay the amount of the debt.

In conclusion, these bailiffs are candidates who are certified by the high court or the county court to enforce given orders. Any private company can hire the bailiffs, but the court controls their work and decisions. Their appointment is from the court, and the rules governing the bailiffs are usually set in the high court or the county court.…

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Hacks on How to Make More Money

how to make moneyThe money making the machine that some people seem to be is nothing but a careful organization of their time, effort and skill to realize useful results. People then are willing to give them more money because they understand their capabilities of even earning more in results or bringing additional revenue for their companies. When you want the hacks on how to make more money from right now and use them for the rest of your life, you should start with self-identity. Knowing yourself and your abilities would be a guaranteed way for building your money chest. Learn the following tricks, and you will earn more money than the average competitor.

Become better at relationship building

Many people lose opportunities for getting more responsibilities and better pay because they are not good at relationships. Just because you trained in technology management does not mean you should not be welcoming and cautious to other people. You can try to learn how to relate to customers and improve your communication with managers. They will notice that you are ripe for taking responsibility. They will consider you for additional tasks. You can then use the additional responsibilities to claim more pay. Often, your boss will be ready to offer you the money since you have the results to show.

Start saving and investing

When you save and invest, you go from a life of always having to pay yourself last to a life where you are the one paying yourself first. You will be getting a few dividends at the end of the month or year that will be equal to a small bump in your pay. Many people work very hard and only get about ten percent pay rise in two years. If you save ten percent of your money in a money market fund, you can be getting the same money every year, and it will be increasing with each year.

Start a blog and publish advertisements

These days, getting extra money online is easy. You need a blog where you talk about things. It used to be very hard to write articles every day. Today, all you need is a decent smartphone camera, your laptop, lighting, and you can start a video blog. You will be talking about your day and a few products that you are featuring. Include a link to your biography or description where people can buy the product. Get paid while they shop. You can also go with advertisements published on your blog so that when people read what you have, you get some dollars.money making hacks

Start a business on the side

A business on the side is a sure way of getting more money. You can sell tutorials of things you know; you could make things then brand them and sell. You can offer services. You could rent your garage to a start-up business. Look online and find business ideas that you can start with as little as 100 dollars. You will be getting a steady 100 dollars every month after that goes to your earnings. You may even not have to do anything much after that, and the income can increase to thousands of dollars.…

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Mistakes to Avoid When Filing for Bankruptcy

bankruptcy filing mistakesIf you have made a decision that you want to file for bankruptcy, then the first thing that you should endeavor to do is to get yourself a bankruptcy lawyer. This is important because in recent times the law governing bankruptcy has become very complicated that you cannot be able to file it on your own and manage to see the process through by yourself.

Because this is a very complicated segment of the law, it is very common for people to make mistakes when they are filling for bankruptcy. That is why it is advisable that before you undertake the process, you should learn from the common mistakes that people commit when they are filling for bankruptcy so that you can avoid them. Let us look at some of those mistakes that are to be avoided.

Waiting for too long to file

With the current economic crises hitting hard, it can at times be nearly impossible for one to get out of debts. This has been occasioned by the increment of daily expenses. That is why it is advisable that you explore the available options. One of the ways to get out of this is filling for bankruptcy. This will not only allow you to have a fresh start but will give you a chance to start afresh. However, if you are in such a situation, you need to act as fast as possible. If you assess your options and see that bankruptcy is the best way to go then do it as quickly as possible.

Avoid filling in the wrong chapter

If yours is individual bankruptcy then most probably you will be filling either under chapter 7 or chapter 13. Even though both of them are meant for the same purpose, the process that is followed for each of them is different. To ensure that you avoid committing such a mistake, it is advisable to seek guidance from an experienced bankruptcy attorney who will help you make a decision on which chapter to file on depending on your financial situation.

Not disclosing your assets

When one is filling for bankruptcy, it is advisable that one discloses all their assets. If during the bankruptcy process, it is discovered that you transferred some of your assets for what is commonly referred to as safe keeping or you made any attempts to hide some of your assets, then you run the risk of your case being dismissed on immediate effect. It is advisable that you are honest about your assets on filling so that you are sure that your discharge is safe.

Failing to file the necessary paperwork

Since the entire process is complex, there are many forms that you will have to fill plus submit some documents. The documents can include your bank statements, tax returns or any other documents that will be required during the process. Ensure that you file all the required documents before the set deadline because if not, your case can be dismissed.

Not completing credit counselling

Ensure that before you file for bankruptcy, you have completed a credit counseling course. This is a must as you should attach a certification of the same when filing your bankruptcy forms.…

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