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January 2020 Archives

How to effectively stage a home

Staging a property is an important part of the home sale process as it can maximize the chances that it is sold in a timely manner. Homes that are free from odors and clutter tend to be easier to sell, and buyers tend to want to see homes that are presented as a blank slate. Therefore, it is a good idea to remove family pictures or other personal belongings from bedrooms, bathrooms and kitchens.

What can bankruptcy’s automatic stay protect you against?

When your finances begin to spiral out of control, you may find that it interferes with numerous parts of your life. Depending on how far in debt you are, you may be losing some of your professional earnings to wage garnishment. You may also find yourself on the receiving end of repeated phone calls from creditors.

Tips for selling a home in a timely manner

The average home stays on the market for 68 days before it is sold. However, there are steps that Illinois sellers and others can take in an effort to get their homes off of the market as quickly as possible. For example, it may be a good idea to consider selling to investors who purchase homes in their current condition. This may allow a homeowner to sell without having to spend time or money on repairs. Homeowners may also be able to avoid paying an agent to help with the transaction.

Brunner test used for discharging student loans

Collectively, current and former students in Illinois and across the country are carrying student debt of $1.59 trillion. Many of these borrowers are struggling to stay current with their repayment obligations, and some are considering bankruptcy as a way out. Bankruptcy may successfully discharge many different types of debt, but student loans are among the most difficult to discharge.

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