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Also, not all debts can be discharged in a bankruptcy. Collection accounts fall off your credit report after seven years.At that point, the delinquency stops affecting your credit. Your credit suffers tremendously in the meantime, and since you’re still legally obligated to pay the debt, a debt collector can pursue you until the statute of limitations runs out in the state where you live.

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You might also consider a mortgage refinance to help consolidate some of your high interest debt from credit cards or student loans. Today we’ll explore when refinancing a mortgage is a smart decision, and when it’s mathematically unwise.

One potential option to get organized and streamline your bills is debt consolidation.

Debt consolidation lets you roll several debts into one loan with a lower interest rate and longer payment term.

Which strategy will ultimately be the best choice for you depends on your own circumstances, and we can’t tell you what to do.

When you’ve fallen behind on your payments, it can feel like there’s nowhere to turn.

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ABC dropped the show on July 6, 1973, but it continued in syndication for another year (1973–1974) as The New Dating Game.

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In the years since gaming went all three-dimensional, Sonic has suffered from a long line of poorly thought out titles, an overload of irritating and unnecessary supporting characters, bland spin-offs (like Sonic Riders), and glaring missteps, such as the gun-toting Shadow the Hedgehog.

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Interestingly, women tend to post more pics than men (at a ratio of 6.4 vs. Men also reach out and initiate communication 67% of the time.

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See if you can limit yourself to every night just before bed.