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How the car buying process has changed in 2023 Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by providing you with interactive financial calculators and tools that provide objective and original content, by enabling users to conduct research and compare data at no cost - so that you can make financial decisions with confidence. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this website are provided by companies who pay us. This compensation could affect how and where products appear on the site, such as for instance, the sequence in which they be listed within the categories of listing in the event that they are not permitted by law for our mortgage or home equity products, as well as other products for home loans. However, this compensation will not influence the content we publish or the reviews you see on this site. We do not contain the vast array of companies or financial offers that may be open to you.

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5 minutes read. Published 26 January 2023

Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the ins and outs of securely using loans to buy an automobile.

Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate since late 2022. He believes in the clarity of his reporting, which helps readers confidently find deals and make the best decisions for their financials. He specializes in small and auto loans.

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This post could contain references to products from our partners. Here's how we earn our money .

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In 1976, Bankrate was founded. Bankrate has a long track experience of helping customers make wise financial choices.

We've maintained this reputation for over four decades by simplifying the process of financial decision-making

process, and providing people with confidence in which actions to take next. process and gives people confidence in the next step.

You can rest assured that we're putting your interests first. All of our content is written by and edited by

who ensure everything we publish is objective, accurate and reliable. Our loans reporters and editors concentrate on the areas that consumers are concerned about the most -- the various types of loans available and the most competitive rates, the best lenders, ways to pay off debt , and many more. So you'll feel safe investing your money.

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Bankrate has a strict policy and rigorous policy, so you can rest assured that we put your interests first. Our award-winning editors, reporters and editors produce honest and reliable content to assist you in making the right financial choices. The key principles We respect your confidence. Our aim is to offer readers reliable and honest information, and we have editorial standards in place to ensure that happens. Our reporters and editors thoroughly fact-check editorial content to ensure that what you read is correct. We keep a barrier between our advertisers and our editorial team. The editorial team of Editorial Independence Bankrate does not receive compensation directly by our advertising partners. Editorial Independence Bankrate's team of editors writes for YOU the reader. Our goal is to give you the most relevant advice to help you make smart personal finance decisions. We adhere to the strictest guidelines in order to make sure that content is not influenced by advertisers. Our editorial team is not paid any compensation directly from advertisers and our content is checked for accuracy to ensure its truthfulness. So, whether you're looking at an article or review, you can trust that you're receiving reliable and dependable information.

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You have money questions. Bankrate can help. Our experts have been helping you manage your money for more than four years. We are constantly striving to give our customers the right advice and tools required to be successful throughout their financial journey. Bankrate adheres to strict standards , so you can trust that our content is truthful and reliable. Our award-winning editors and journalists create honest and accurate content that will help you make the best financial decisions. The content we create by our editorial team is objective, factual and uninfluenced through our sponsors. We're honest regarding how we're able to bring quality content, competitive rates, and helpful tools to our customers by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for the placement of sponsored products or services, or when you click on certain hyperlinks on our site. This compensation could influence the manner, place and in what order the products are listed within categories, unless prohibited by law in the case of our home equity, mortgage and other home loan products. Other factors, such as our own website rules and whether a product is available within your area or at your own personal credit score can also impact how and where products appear on this website. Although we try to offer a wide range offers, Bankrate does not include information about every financial or credit product or service.

The purchase of a car is the second largest purchase that people make during their lives. It has historically been a somewhat unpleasant experience that was accompanied by and at the dealership lot. However, with the change in normal that the pandemic has brought, many dealers are embracing the and making it easier to purchase experience. The car buying process in 2023 can be a challenge due to and supply chain issues keeping costs high. As consumers, it is important to use the shifting purchasing process of cars in your favor. Think about the following ways buying a car could be different over the coming year to both the driver or the buyer. What can you expect when buying the car of the year we get closer to 2023, it's hard to ignore news of a looming recession. The economic outlook is based on an 85% chance of entering a recession this year, found. While the probability of a recession isn't directly linked to the buyer's experience at the showroom, high prices outside the dealership could mean additional discomfort when purchasing the next car. The month of December saw yet another record-high average transaction price for new vehicles, $49,507, according to . But the future is not all gloom and doom since dealers have gotten a glimpse of the threatening macro-environmental trends. Bankrate interviewed Dave Thomas, director of content marketing as well as an automotive market analyst for CDK Global, for insight on the upcoming trends for this year. The price of a vehicle is still a major factor if you're looking to buy a car for this coming year, you -as the majority of buyers, according to the might consider price to be your primary focus. The time commitment to purchase a car is an important consideration for the other 50% of respondents and buyers, price is the primary consideration. This year could be a bit than a rollercoaster for motorists, says Thomas. "For shoppers, the focus will be about those interest rates and finding the one that is within the budget of theirs," Thomas says. The fact that this "could make the process somewhat more challenging than it was previously due to the lower inventory." When you shop, consider you should consider a variety of financing options to make sure you are getting the most favorable bargain, even with higher prices and interest rates. Tips from Bankrate

If you are considering a purchase, think about the total of what you'll need to cover and in addition to the regular monthly costs.

The inventory is low. When customers head out to a dealer, they have some idea about the kind of vehicle they'd like to buy. However, many buyers have discovered lots empty of the cars they'd like to purchase. In the six months of CDK , "the number of shoppers finding the car they want available has not exceeded 50 percent," says Thomas. In addition, inventory is down when compared to the previous year. While conditions are improving, the supply is still below demand, according to J.D. Power. In addition, the lack of inventory has resulted in an increase of drivers skipping the dealership altogether. "Some brands are seeing inventories returning, but most have a distinct number of cars are on the lot," Thomas says. This "led to an increase in people purchasing cars directly from the factory , with the process being handled at dealers." Options to buy online will expand The typical purchase of a car hasn't received any major changes in the last few years, and consumers are used to the lengthy procedure of purchasing a brand new or used car from a dealership. The shift to purchasing cars online isn't something that's completely new. Lots of local dealers have offered online marketplaces to customers who want to browse options prior to visiting the dealership. However, the online shopping experience has become more detailed in recent years. The break that many drivers took from the car buying process due to the cost can also mean that they require more guidance when shopping. Therefore, even though online shopping is increasing, Thomas explains that "76 percent of the people we interviewed said they wanted to take their time to understand all of their options" which is up from 70 percent in 2021 in accordance with the report for 2023 . If you were one of those who stuck to the sidelines over the past year due to the high cost of gas, rest assured in the flexibility of this market. Dealerships will continue operating While traditional dealerships aren't likely to disappear in the near future, it has experienced shifts following the pandemic. A lot of drivers are benefiting from online shopping, especially when local dealers have empty showrooms. Even so the majority of buyers used the traditional method to purchase a car over the past year, as reported by the CDK survey. It is also interesting to note that 9 percent of those that did complete their car buying experience completely online didn't rate their experience very highly. With this in mind, it is wise not to overlook the hands-on experience you can get. However, many dealerships offer the best of both worlds approach, with the option to go online first and then end in-store. Thomas explained the switch. A lot of automakers from the past are "streamlining the process online and attempting to make the transition from doing part of the journey online into seamless experience at the store." Drivers are benefiting from the capability to crunch the numbers from the comfort of at home but still have a driving experience before signing the paperwork. There are four ways to utilize the internet to your advantage Online car buying is still relatively new and requires a bit of learning. Although some tips are within the realm of conventional car buying, you should consider these suggestions when you're not on the showroom floor. 1. Conducting research in person or online conducting research to discover is the first stage in the process of buying a car. Consider what factors are important to you the most: The dimensions of the car, fuel economy or even the design and color. Although you may not be able explore your new ride on the road, YouTube car tours are an excellent way to explore the specifics a vehicle offers. 2. Set a budget After you decide on the kind of car you'd like to purchase, it's important to figure out the amount you're willing to spend and . This will require some extra effort but is easier without a salesperson pressuring you. Make the most of your time at there at home and take into account all contributing factors like your income as well as insurance, fuel and other vehicle expenses. 3. Check local inventory Another benefit when shopping for your car online is the possibility to verify local inventory prior to making a visit to the dealership. This can be accomplished in a few ways. Look at specific dealers in your area and search for, for example "Toyotas available near me" or search on websites like Edmunds or TrueCar. This can also assist in because you'll better grasp the price landscape for the car you want to buy. 4. Chat with salespeople online. Negotiation can be one of the most daunting aspects of car buying, but when you're sitting behind a computer screen it's much simpler to bargain for the price you deserve. A majority of the marketplaces that you'll encounter include a chat feature. Make use of it as a place to ask the right questions. Be firm, and share information you found when you look up local inventory for different price options. The bottom line It's clear the experience of buying a car has changed for both the dealer as well as the consumer over the last few due to a combination of factorsincluding global pandemic, inflation, supply chain issues and the advancement of technological. It is crucial to keep in mind that a change in the industry is underway which is bringing greater transparency and accessibility to the buyer. So even though it is likely that car dealerships will completely disappear, think about purchasing online and saving both time and money.

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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ways and pitfalls of taking out loans to purchase an automobile.

Edited by Helen Wilbers Edited by

Helen Wilbers has been editing for Bankrate from late 2022. He values clear reporting that helps readers successfully find deals and make the best choices for their finances. He is a specialist in small business and auto loans.

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(image: https://i.pinimg.com/originals/cb/73/15/cb73151ce7087c38b0d77ab9c17aaeb0.jpg)Good Debt is different from. Bad Debt: Learn the distinction

Advertiser disclosure You're our first priority. Each time. We believe everyone should be able to make financial decisions with confidence. And while our site doesn't feature every company or financial product that is available in the marketplace however, we're confident of the guidance we offer as well as the advice we offer and the tools we create are independent, objective easy to use and cost-free. So how do we make money? Our partners pay us. This could influence the types of products we review and write about (and where they are featured on the site) However, it in no way affects our suggestions or recommendations that are based on hundreds of hours of study. Our partners cannot be paid to ensure positive reviews of their products or services. .

Good Debt is different from. Poor Debt Know the Difference

Good debt can help you achieve goals, while bad debt is expensive and could derail your goals.

Written by Sean Pyles Senior Writer | Personal finances and credit, and personal finance Sean Pyles leads podcasting at NerdWallet as the producer and host of the NerdWallet's "Smart Money" podcast. On "Smart Money" Sean talks with Nerds on NerdWallet's NerdWallet Content team to answer listeners' questions about personal finance. With a particular focus on sensible and practical advice on money, Sean provides real-world guidance to help people improve in their finances. Beyond answering listeners' money concerns on "Smart Money" Sean also interviews guests outside of NerdWallet and also creates special segments to explore topics like the racial wealth gap as well as how to get started investing and the background for student loans.

Before Sean took over podcasting at NerdWallet He also covered issues that dealt with consumer debt. His work has appeared in USA Today, The New York Times as well as other publications. When Sean isn't writing about personal finances, Sean can be found working in the garden, taking runs and walking his dog for long walks. He is based within Ocean Shores, Washington.

Updated on Feb 21 2023

Written by Kathy Hinson Lead Assigning Editor Personal finance, credit scoring, financial management and debt Kathy Hinson leads the Core Personal Finance team at NerdWallet. Prior to joining NerdWallet, she worked for 18 years working at The Oregonian in Portland in capacities such as chief of the copy desk and team editor and designer. Previous experience included news and copy editing at many Southern California newspapers, including the Los Angeles Times. She received a bachelor's degree in mass communication and journalism in Iowa's University of Iowa.

The majority or all of the items featured on this page are from our partners who compensate us. This impacts the types of products we review as well as the place and way the product is featured on a page. But this doesn't influence our evaluations. Our opinions are our own. Here is a list of and .

Before taking on any debt, consider whether a car loan or new credit card will help meet your financial goals or make them more difficult to achieve. The amount you pay and the amount and cost, can be the difference between good debt and bad debt.

A credit card, for example, is an option to finance large expenses and earning reward points. If not handled properly the credit card debt that comes with high interest could become out of control.

These are the general guidelines for good debt and bad debt, one and the best way to handle it in the event of having an excessive amount of debt.

What is good loan?

Low-interest debt that helps you increase your income and net worth can be an example of good debt. But excessive amounts of any kind of debt, regardless of the potential it may create can turn it into bad debt.

Medical debt, as an example, doesn't neatly fall into"the "good" as well as "bad" debt class. It's a cost that is largely uncontrollable and often doesn't have an interest rate. There's a chance .

Student loans

In general, considered to be an investment for your future and future, student loans typically have lower interest rates, specifically in the case of federal student loans.

The general rule is to try to have your student loan amount to be less than 10% of your expected after-tax income per year after graduating. If you expect to earn $50,000 per year, the borrowing cap will be $29,000.

Take action: To handle overwhelming student loans take a look at options the possibility of refinancing or the repayment plan that is based on income.

Mortgages

Likely the biggest financial decision you'll ever make, a mortgage is the path to homeownership.

Guideline: Know before shopping and limit your mortgage loan up to 36% of annual income.

Make a move: downsizing and/or moving into a lower-cost area could make housing costs more manageable.

Car loans

For many, a car is vital to daily life.

Guideline: Keep total auto costs, including your car loan payment, . The loan term should be four years or less, and usually with 20% down.

Take action: or trading in an unaffordable car will help you control costs for your car.

Track your debt the easy method

Sign up with NerdWallet to see your current debt breakdown and future payments all in one place.

What is bad credit?

Expensive debts that drag down your financial standing are classified as bad debt. For instance, debts with high or variable interest rates particularly when they are employed for discretionary expenditures or for things that decrease in value.

Sometimes, bad debts are just good debts gone awry. For instance, credit card debt can be an illustration for this. For instance, if you've got an expensive credit card and pay it off each month, it's fine. However, if your high-interest credit card debt accumulates, you could be in danger.

High-interest credit cards

The high interest rates, such as those greater than 20%, can increase the cost of your debts.

Guideline: If you're not making progress on paying off your debts with credit cards, regardless of making sure you pay it all monthly, that may be an indication that you're dealing with issues .

Make a plan If you're able to keep your spending under control, try out the , where you settle your most smaller debts first. A can reduce your credit card debt less expensive, though you'll need good credit to be eligible for. Otherwise, a from an agency that offers credit counseling for non-profits may be an alternative.

Personal loans to fund discretionary purchases

Taking on debt for expenses like a trip or brand new clothes could be an costly habit.

Guideline: Personal loans can be a good option when you have a particular purpose in mind, such as .

Take action If you're faced with an expensive personal loan, you may be in a position to .

Payday loans

are a bad debt that can turn toxic: They typically have interest rates as high as 300% that can make them immediately unaffordable. These are short-term, small-amount loans meant to be repaid through your next paycheck.

Guideline: Financial experts caution against payday loans since borrowers could easily be entangled in a debt cycle.

Take action: Consider options such as taking out a loan from an institution like a credit union, or asking family members for help.

About the author: Sean Pyles is the executive producer and host for NerdWallet's Smart Money podcast. His writing has been featured on The New York Times, USA Today and elsewhere.

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Credit Lock vs. Credit Freeze: What's the difference?

Advertiser disclosure You're our first priority. Every time. We believe everyone should be able to make sound financial decisions without hesitation. Although our website does not include every financial or company product available on the market, we're proud that the guidance we offer and the information we offer and the tools we develop are objective, independent simple, and completely free. So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the website) However, it does not affect our suggestions or recommendations, which are grounded in many hours of study. Our partners do not pay us to guarantee favorable ratings of their goods or services. .

The Credit Lock and. Credit Freeze What's the difference?

It's simpler to unlock your credit than in order to "thaw" the credit of those who have frozen it. A freeze may afford more legal protections.

The article was written by Amrita Jayakumar Writer The Washington Post Amrita Jayakumar was a former special assignment writer for NerdWallet. She also published a syndicated article on money and millennials, and wrote about personal loans and consumer credit as well as debt. Prior to that, she was a reporter at The Washington Post. Her work has been featured within newspapers such as the Miami Herald and USAToday. Amrita holds a master's degree in journalistic studies from The University ofMissouri.

Updated on Sep 26, 2022

Editor: Kathy Hinson Lead Assigning Editor Personal financial, credit scoring, financial management and debt Kathy Hinson leads the Core Personal Finance team at NerdWallet. In the past, she worked for 18 years with The Oregonian in Portland in capacities such as chief of the copy desk and team editor and designer. Her previous experience includes copy and news editing for a variety of Southern California newspapers, including the Los Angeles Times. She received a bachelor's degree in journalism and mass communications in the University of Iowa.

A majority of the items featured on this page are from our partners, who pay us. This influences which products we feature and where and how the product is featured on the page. But, it doesn't influence our evaluations. Our views are our own. Here is a list of and .

A credit freeze or credit locks are two methods to guard your credit reports from being used as a tool by swindlers to create new accounts.

There are instances where"credit lock" and "credit freeze "credit freeze" and "credit lock" used in conjunction, and both provide similar security. Three credit report bureaus- Equifax, Experian and TransUnion often promote their credit lock offerings, which can carry a monthly fee, alongside those with credit freezes, which are completely free. A key difference is that it's easier to open the credit lock than it is to "thaw" a credit freeze. However, a freeze could provide legal protections that a lock does not.

Do you need a credit report exam?

Register for an account and get your credit report free and score on-hand, all the time.

When you at the credit bureaus, you block the access of your credit report so the majority of lenders won't have access to your credit report until you remove it. Since a creditor is unlikely to open a new account with your name, without verifying your credit score, this protects you from fraud. requires the use of the password-protected account, or PIN.

Similarly, when you lock your credit you block most lenders' access. But you can unlock your credit report anytime, from your device or computer in the event that you decide to allow access.

Compare credit freeze and credit lock

When is the best time to apply a credit freeze

A credit freeze helps protect your credit report. It's a wise choice when you're the victim of identity theft or suspect your information has been compromised, like it was in . NerdWallet suggests freezing for the majority of consumers as a preventive measure.

Federal law requires credit bureaus to offer Free credit freezes as well as unfreezes. You can also for free.

You can defrost your credit report by giving an explicit authorization to each of these credit agencies by using a password-protected account, or PIN.

Freezing your credit report at the three bureaus is essential to ensure your data is protected. Here's how to freeze your credit report, your report and your report.

You can still check your credit reports and score even when you are in a credit freeze . If you don't already have a way to regularly keep track of your report and score Consider joining NerdWallet for a summary, regularly updated.

How to utilize a credit lock

You can use the credit lock as a preventive measure to safeguard your data or in cases where your information has been compromised. Its convenience lets you quickly allow lenders access to your credit report, and immediately lock it again when you're looking for a new car or home, for instance.

Unlike a freeze, locks are not subject to federal law. Service agreements between every bureau spell out that they don't provide uninterrupted service or fault-free operation.

Similar to an credit freeze A credit lock can be best if you are a member of each of the bureaus.

You can sign up for a credit lock via the website of each bureau and use the appropriate app to unlock or lock your credit report. Each one offers a slightly different version of the credit lock, so check exactly the terms you're signing for.

The product is known as Lock & Alert. The company claims that it will be free for life. The conditions of service do not contain an arbitration clause or settlement of lawsuits in class actions; that means you don't sign away your option to sue or join a lawsuit.

Experian bundles its credit lock with other products. The most affordable choice, IdentityWorks Plus at $9.99 per month, comes with a credit lock, identity theft insurance and alerts for any changes to information on your report at the three bureaus. The terms of service for the program contain an arbitration provision as well as a class action waiver.

TransUnion's free product, managed under the TransUnion's TrueIdentity brand, offers the option of locking and unlocking as well as other options, however the agreement for service does contain an arbitration clause and class action waiver. It also requires users to agree to receive targeted marketing materials.

About the author: Amrita Jayakumar is a former writer at NerdWallet. She previously worked at The Washington Post and the Miami Herald.

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Chapter 7 Bankruptcy: What is It is and How to File

Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make financial decisions without hesitation. While our website doesn't include every financial or company product available on the market We're pleased that the advice we provide and the information we offer as well as the tools we design are impartial, independent simple, and free. So how do we earn money? Our partners pay us. This can influence the products we write about (and the way they appear on our site), but it doesn't affect our recommendations or advice which are based on hundreds of hours of research. Our partners cannot promise us favorable reviews of their products or services. .

Chapter 7 Bankruptcy: What is It Is and how to file

Chapter 7 can wipe out all debts, with significant exceptions, such as student loans.

by Sean Pyles Senior Writer | Personal finance and credit, and personal finance Sean Pyles leads podcasting at NerdWallet as the host and producer of NerdWallet's "Smart Money" podcast. On "Smart Money" Sean talks with Nerds across the NerdWallet Content team to answer the questions of listeners about their personal finances. With a focus on thoughtful and actionable money advice, Sean provides real-world guidance to help people improve the financial situation of their lives. Beyond answering listeners' money concerns on "Smart Money," Sean also interviews guests outside of NerdWallet and also creates special segments on topics such as the racial gap in wealth, how to start investing and the history of student loans.

Before Sean took over podcasting for NerdWallet the company, he also wrote about topics concerning consumer debt. His writing has been featured in USA Today, The New York Times and elsewhere. When he's not writing about personal finances, Sean can be found playing in his garden, going on runs , and walking his dog for long walks. He lives within Ocean Shores, Washington.

Updated August 6, 2021 3:31PM PDT

Edited by Hanah Cho Vice President Personal finance Hanah Cho, Vice President for Content. She managed multiple NerdWallet teams that were focused on personal finances before being promoted to director and deputy director. She was hired by NerdWallet as a writer, covering small-scale businesses. In the past, she was a reporter covering startups and business for The Dallas Morning News, and was previously a journalist for business at The Baltimore Sun. She was also treasurer of the Texas Chapter of the Asian American Journalists Association.

Many or all of the products featured here come from our partners who compensate us. This affects the products we write about and where and how the product is featured on the page. But, it doesn't affect our assessments. Our opinions are our own. Here's a list and .

Table of Contents

Table of Contents

Chapter 7 bankruptcy can wipe away a myriad of types of overwhelming debt with the help of a federal court. You might have to give up some assets, like an expensive automobile or jewellery, but the vast majority of people who file bankruptcy do not. Chapter 7 bankruptcy is the most efficient and popular type of bankruptcy.

Chapter 7 bankruptcy erases most unsecure debts, which is, debts without collateral, like medical bills, credit card debt and personal loans. However, certain types of debt, such as debts that are owed to the courts, such as back taxes, judgments, alimony , and child support, and student loans generally do not qualify for. Chapter 7 bankruptcy will leave an indelible impression on your credit report for 10 years. During this time you'll likely be unable to obtain credit. However, you'll likely see your credit scores start to improve in the time after you apply.

Learn more about how you can qualify for Chapter 7 bankruptcy, how to file, if this debt relief option is the right one for you, and the best way to rebuild following bankruptcy.

Do you qualify to file Chapter 7 bankruptcy?

To qualify for Chapter 7 bankruptcy you:

Have to pass the test that will examine your income as well as assets and expenditures.

Could not complete a Chapter 7 in the or a within the past six years.

You cannot have filed bankruptcy papers (Chapter 7, 13) within the preceding 180 days. The petition was dismissed because you failed to appear in court or adhere to court orders, or decided to dismiss your own petition due to creditors seeking court relief to recover the property they held a lien on.

How do you do you file Chapter 7 bankruptcy?

It is possible to complete the process within six months. You'll have to follow several steps.

You must undergo pre-filing bankruptcy counseling with a certified nonprofit credit counseling agency within 180 days before making the filing.

Before diving into the various forms needed to fill out the forms required to file Chapter 7, find a certified bankruptcy attorney who can assist. It's hard to when you need debt relief however, this isn't a DIY situation. Incorrectly or incompletely filled out paperwork can lead to your case being rejected or having some debts canceled.

File paperwork Your lawyer will help with filing your petition and other documents. However, it is your responsibility to gather all necessary evidence of all your financial assets, earnings and debts. An automatic stay goes into effect at this point, meaning that most creditors can't sue you, garnish your wages or make contact with you to request payments.

Trustee will take over: When your petition is filed the bankruptcy trustee appointed by the court will begin managing the process.

Meeting of the creditors: The trustee will arrange a meeting with you, your lawyer and your creditors. You'll need to respond to any questions brought up by the trustee and creditors regarding your bankruptcy form and financial situation.

The eligibility criteria is determined: After reviewing your documents, the trustee will confirm your eligibility for Chapter 7.

Nonexempt property handled: The trustee determines whether the assets that aren't exempt from selling so proceeds can go to creditors. It could be jewelry, or the equity in your home or vehicle if it's greater than the state's exemption limits. The majority of individuals Chapter 7 cases, however they are "no asset" instances where there's no items that are nonexempt to liquidate.

Secured debts: To resolve your secured debts, the asset held as collateral may be ordered return to your creditor. Or you may be able to either redeem the collateral (you pay the creditor what it's worth now) or renew the credit (arrange to exempt the debt from bankruptcy and continue to repay it).

Education course: Before your case is discharged, you'll be required to attend a financial education course from a qualified non-profit credit counseling organization.

Discharge 3 to 6 months after filing your petition, your case will be discharged, meaning that any debts that are eligible are paid. In the next few days, the case is closed.

Are you sure? Chapter 7 bankruptcy right for you?

Be sure to know the distinction between Chapter 7 and Chapter 7. It makes sense when:

You don't have a lot of assets.

Your debts that are causing problems total more than 50 percent of your income.

Your debts that are causing you problems can be discharged, or forgiven, by Chapter 7. These include debts such as medical bills, credit card debt and individual as well as payday loans.

It would take five years or more to be able to pay off your debt even if you had taken extreme measures.

Certain types of debt aren't removed in bankruptcy, like recent tax bills as well as child support and student loans. However, bankruptcy may still be an option for you, though, if erasing other kinds of debt would free up enough money to pay for the debts which aren't eraseable.

Another common type of bankruptcy for consumers, Chapter 13, may be more appropriate if you have more assets or secured debts, and you are able to pay some or all of what you have to pay.

Also, there are options available and include debt management plans through an agency. Benefit from the no-cost initial advice that credit counselors and many bankruptcy lawyers can provide before making a decision on a path.

Rebuilding after bankruptcy

Your financial life -- particularly your credit rating -requires some care following, but having a number of accounts settled is an excellent starting point.

Do two things to :

Create a financial plan Create a budget, create financial goals, and think about enlisting the free help of a credit counselor from a non-profit organization to guide you on the process.

Rebuild your credit score Pay all your bills in time, and keep your balances on credit low, and .

Frequently asked questions Will bankruptcy affect my credit score?

If you're about to file for bankruptcy, your credit files likely have some dents due to late payments or discharged accounts. Following a bankruptcy discharge however your credit scores are likely to improve within six months.

How do I file for bankruptcy on my own?

It is recommended to hire an attorney before filing for bankruptcy. This is because there are numerous moving parts, and one small error in a clerical record could cause your case to be dismissed.

How long does it take to file for bankruptcy?

There are many steps involved when filing for bankruptcy however with the assistance of a qualified bankruptcy lawyer you will be able to complete the process in six months.

Can filing bankruptcy damage my credit score?

When you're ready to file for bankruptcy, you'll find that your credit files may have a few scratches due to late payments or discharged accounts. Following bankruptcy, however, your credit score is likely to rebound within six months.

What about filing for bankruptcy by myself?

It is recommended to hire an attorney when filing for bankruptcy. It is because bankruptcy has many moving parts , and a small error in a clerical record could result in your case being dismissed.

How long will you need to wait before filing bankruptcy?

There are a variety of steps to take when you file for bankruptcy however with the assistance of a certified bankruptcy lawyer you can finish the process in just six months.

Author bios: Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. His work has been published on The New York Times, USA Today and elsewhere.

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Guide: How to Make Money Through Blogging

Advertiser disclosure You're our first priority. Each time. We believe that everyone should be able make financial decisions with confidence. And while our site doesn't feature every company or financial product available in the marketplace We're pleased that the advice we provide, the information we provide as well as the tools we design are objective, independent simple, and cost-free. So how do we earn money? Our partners compensate us. This can influence the products we review and write about (and the way they appear on our website) however it does not affect our recommendations or advice that are based on many hours of study. Our partners are not able to pay us to guarantee favorable review of their services or products. .

Guide: How to Make Money Through Blogging

Making money from a blog might require running ads, delve into affiliate marketing, or go down a different method.

By Laura McMullen Assistant Assigning Editor Personal finance, financial and news Laura McMullen assigns and edits the financial news content. She was previously a senior writer at NerdWallet and was responsible for the topics of budgeting, saving and making money. She contributed to the "Millennial Money" column for The Associated Press. Before becoming a part of NerdWallet at the end of 2015 Laura was employed by U.S. News & World Report which is where she created and edited content related to the health and wellness of students, careers and other topics as well as contributed to the rankings of the company. Before working at U.S. News & World Report, Laura interned at Vice Media and studied journalism history, the history of the United States, along with Arabic at Ohio University. Laura currently lives in Washington, D.C.

Updated Dec 14, 2021

A majority of the products we feature are provided by our partners who compensate us. This affects the products we review and the location and manner in which the product appears on a page. However, it does not influence our evaluations. Our views are our own. Here is a list of and .

You'll need the potential to become an entrepreneur to be able to blog. It is possible that you will need to sell advertisements, promote products or even write an ebook. We'll assist you in choosing the most effective strategy for your needs.

Four ways to earn money blogging

If your website is receiving good traffic, you should consider any of the following tactics. If your readers aren't big The first two strategies are likely to be more appropriate. In any case, using multiple methods to earn money can increase the chances to make money.

1. Display advertising

You've probably seen digital ads for cell phones as well as credit cards and many other items on the websites you've visited. Companies can offer to place ads on your blog as well, using an application like Google Adsense. You can choose what types of ads run and where on the page they'll appear, and you get paid each time a user clicks them.

The process of estimating your potential earnings is tough, but this detailed guide will help. The basic idea is: Say your site receives 2,800 views in one month, and 1.5 percent of users are able to click on an ad in a display (that's 42 clicks). If the advertiser bid 75 cents per click, you'll be paying around $30.

"For a new blogger getting a money of $30 or $50 could be all the motivation they need to continue their blog and eventually earn the more lucrative payouts," says Joseph Hogue, creator of "Make Money Blogging."

How much money can you make from blogging? Here's what Google declares

Google is the king of content. Your content, that is. Google decides if potential readers can find your content through a search, and pays you to place its ads on your blog.

But Google is also aware of the amount of money you earn from the traffic your blog generates. It's all revealed in an .

These are a few examples of how much Google believes you are likely to make annually from ads for a blog in North America with 50,000 monthly page views based on the following content categories:

Sports: $2,538.

Entertainment and arts 337,372 dollars.

Vehicles and autos 5520$.

Beauty and fitness Fitness and beauty: $7,806.

Shopping: $8,400.

Travel: $8,460.

Food and drink The cost is $8,598.

Finance: $19,278.

The more greater your target audience, the greater income you can earn.

2. Repurposed blog content

You already have content to produce, so why not distribute it in a different format? Make your blog posts chapters of an ebook which you can offer on Amazon.

Self-publishing probably won't bring you wealth but "it's an excellent way to earn passive income," Hogue says. This means that you'll likely forget about the content once you've finished compiling the content and publishing it on Amazon. Make sure you pay the bill now and then.

Furthermore, you already have the perfect platform for marketing that is able to reach a targeted readers - your blog. Hogue advertises his e-books about investing and passive income through his own personal blog about finance, PeerFinance101.

If your content can be translated into video, you should look into .

3. Affiliate marketing

If you frequently refer to products in your blog, look into affiliate marketing. Let's say you run your own blog on smoothies. You can link to a specific blender selling on Amazon in one of your blog posts If a person clicks the link and purchases this blender you'll earn a commission.

Hogue says a single purchase can put anywhere from a couple hundred dollars into your pocket. To find advertisers and products to promote your website, sign up with an affiliate program, such as ShareASale, CJ Affiliate, FlexOffers.com, Rakuten Marketing or .

Affiliate marketing can be a major moneymaker for many bloggers. In 2017, Hogue earned roughly $2,000 per month through two blogs. He knows of others who have used it to earn the tens of thousands of dollars per month.

This technique is best suited for blogs that receive lots of visitors. The more visitors, the more likely that people will read the article and click on the link to buy the product.

>> MORE:

4. Content sponsored by sponsors

With this tactic, businesses pay you a fixed price to create a article about their product. For instance the blender company could write the post on your smoothie blog on a specific blender with a hyperlink to a website on which readers can purchase the blender.

Sponsored content may be hard to come by in the case of blogs that don't get much in terms of traffic. If you do get the opportunity, Hogue says even authors of low-traffic blogs should ask for at minimum $100. If you need to to write the content yourself. You can ask for a few hundred dollars apiece once your blog has more followers.

You can find these opportunities on ad networks or by reaching out to potential sponsors. It is possible to receive unwelcome emails offering cash in exchange for a sponsored article.

This method isn't an option for everyone. Some bloggers feel uncomfortable promoting a product for money because they feel "they're basically a spokesman for a corporate sponsor," Hogue says. Hogue suggests only promoting items you've tried and would actually recommend. The product should be relevant, and there shouldn't be any gushy praise for the carpet cleaner you use on your smoothie blog -- unless you're prone to spilling your drinks.

The most effective way to earn money blogging is to make

No matter the tactic you pick, earning money from blogging takes patience. You'll never be able to make the big bucks until your blog has significant traffic and appears high in Google results. And that requires time. It is also important to be an expert in the blogging industry. Hogue reads "blogs about blogging" and sites that delve into the subject of search engine optimization.

Given all the dedication needed to earn money of your site, you're best off choosing a topic you're passionate about. "You're going to be talking a lot about it and, sometimes, it's your sole motivation for doing it," Hogue says

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Track all the money you make

See the ins and outs of your bank accounts, cash cards, bank accounts at an instant.

Want nerdy knowledge that's personalized to your money? All your money will be in one place, and gain tailored insights to make the most of it.

About the author: Laura McMullen writes about managing the money of NerdWallet. Her writing has been featured in The Associated Press, The New York Times, The Washington Post, and other outlets.

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Can I purchase a car following Chapter 7 bankruptcy? Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by providing you with interactive financial calculators and tools, publishing original and objective content. This allows you to conduct research and compare data for free - so that you can make informed financial decisions. Bankrate has partnerships with issuers such as, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this website are provided by companies that compensate us. This compensation may impact how and where products appear on this site, including the order in which they may appear within the listing categories, except where prohibited by law. Our loan products, such as mortgages and home equity, and other home lending products. This compensation, however, does not influence the content we publish or the reviews that you see on this site. We do not include the universe of companies or financial deals that might be accessible to you. SHARE: Maskot/Getty Images

2 min read Published 31 March 2022

Written by Jerry Brown Written by Contributing writer Jerry Brown is a contributing writer for Bankrate. Jerry writes about home equity, personal loans as well as auto loans as well as managing debt. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances through providing clear, well-researched information that breaks down otherwise complicated topics into bite-sized pieces. The Bankrate promise

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At Bankrate we aim to help you make better financial decisions. While we are committed to strict editorial integrity ,

this post may contain the mention of products made by our partners. Here's an explanation for how we make money . The Bankrate promise

In 1976, Bankrate was founded. Bankrate has a proven track record of helping people make wise financial choices.

We've maintained this reputation for over 40 years by simplifying the process of financial decision-making

process and giving people confidence that they can take the right actions next. Bankrate follows a strict ,

You can rest assured you can trust us to put your needs first. Our content is written in the hands of and edited by

who ensure everything we publish will ensure that our content is reliable, honest and reliable. Our loans journalists and editors concentrate on the areas that consumers are concerned about the most -- the various types of loans available, the best rates, the top lenders, how to repay debt, and much more. So you'll be able to feel secure when investing your money. Integrity of the editing

Bankrate adheres to a strict code of conduct and rigorous policy, so you can rest assured that we'll put your needs first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial choices. Key Principles We respect your confidence. Our goal is to provide readers with accurate and unbiased information. We have standards for editorial content in place to ensure this happens. Our editors and reporters thoroughly fact-check editorial content to ensure that the information you're reading is correct. We have a strict separation with our advertising partners and the editorial team. The editorial team of Editorial Independence Bankrate does not receive compensation directly from our advertisers. Editorial Independence Bankrate's editorial team writes on behalf of YOU the reader. Our goal is to give you the most accurate advice to help you make smart personal finance decisions. We follow strict guidelines in order to make sure that the content we publish isn't influenced by advertisers. Our editorial staff receives no direct compensation from advertisers, and all of our content is checked for accuracy to ensure its truthfulness. Therefore when you read an article or a report it is safe to know that you're receiving reliable and reliable information. What we do to earn money

If you have questions about money. Bankrate has answers. Our experts have been helping you master your finances for more than four years. We strive to continuously provide consumers with the expert advice and tools required to make it through life's financial journey. Bankrate adheres to a strict code of conduct , therefore you can be confident that our content is honest and accurate. Our award-winning editors and journalists provide honest and trustworthy information to assist you in making the best financial choices. The content we create by our editorial staff is factual, objective and is not influenced through our sponsors. We're honest about the ways we're capable of bringing high-quality content, competitive rates, and helpful tools to you by explaining how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the promotion of sponsored goods and, services, or by you clicking on certain links posted on our site. So, this compensation can impact how, where and in what order items appear within listing categories in the event that they are not permitted by law. We also offer mortgage home equity, mortgage and other home lending products. Other factors, such as our own rules for our website and whether the product is available within your area or at your personal credit score may also influence the way and place products are listed on this website. Although we try to offer an array of offers, Bankrate does not include details about each credit or financial products or services. After you go through Chapter 7 bankruptcy, it can remain on your credit file for up to 10 years from the date of filing. Through this time, you might have to purchase a vehicle. It is, however, more challenging, you can obtain an auto loan after bankruptcy. To compensate for the increased risk the lender could offer a greater interest rate or require a larger down payment. Do I need to buy a car following bankruptcy? The answer to this question depends on your financial circumstances and the transportation requirements. Affordability: Any car you purchase should be well in your financial budget. Make sure it's by , not just the price on the tag. Current transportation If you already are able to get around with your current transportation system, then it might be a good idea to wait on buying a car. Your interest rate is likely to be less than ideal with bankruptcy still showing on your credit report. Using cash: Avoiding the auto loan prior to the bankruptcy being removed from your credit report could be the best choice. By using cash, you can avoid the loan entirely. Three ways to finance a vehicle using an auto loan following bankruptcy If you are trying to finance your car with an auto loan after bankruptcy, you might have more difficulty in finding a lender and some may not be willing to collaborate with you. If you do find an lender willing to let you take out a loan, you likely will not be eligible for the . 1. Buy-here, pay-here dealerships During the course of your research, you could come across buy-here or pay-here dealerships which don't need credit checks. Even though these dealerships can cooperate with you if you have had bankruptcy, you can end with a bill that is higher than what the car is worth. Before using this option be sure to do your homework and ask about hidden charges. 2. Credit unions If one of them , you could try applying to get an auto loan there. Since credit unions are not for-profit owned by members which means you'll have more chance of getting financing. Additionally, you may have the chance to get a lower interest rate. 3. Co-signer If none of those options work, a different option could be to find someone with good to excellent credit rating to sign an auto loan for you. Before you do this, explain to the person . In the unfortunate event that you do not pay back your loan, the co-signer will be accountable for the debt and this could adversely affect their credit. When you should buy depends on your finances Although the ideal time to buy your vehicle varies based on your financial situation and your personal situation, it is the time when you'll get the best deal and interest rate. If you wait to see if your credit improves before you purchase a vehicle could lower the interest rate a lender will offer you. But if you can't wait and are in need of transportation right now, you should look for the best deal. Due to the pandemic the car makers were forced to shut down their plants for months, and saw inventory and sales fall. If you're in need an automobile, you might want to to circumvent the lack of new cars. However, be sure to do your research and don't purchase a vehicle that you aren't able to afford. The bottom line While you can purchase a car following bankruptcy, you should expect to pay an additional interest rate in the event you take out the loan. Although the waiting time for your credit to rise can lower your rate, it's not always possible. Research all of your lending options before you take out a loan. Take advantage of available dealer incentives and try to stay clear of dealerships that have hidden charges. Find out more about:

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Written by the writer who contributes to the project. Jerry Brown is a contributing writer for Bankrate. Jerry writes about personal loans and Auto loans and debt management. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to take control of their finances by providing clear, well-researched information that breaks down complex subjects into bite-sized pieces.

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(image: https://3.bp.blogspot.com/-KrYGq3UzIdg/VPbZJJ45siI/AAAAAAAAAIs/6HJru4Ya5KY/s1600/no2Bcredit.jpg)What Are Community Development Financial Institutions?

Advertiser disclosure You're our first priority. Everytime. We believe everyone should be able to make sound financial decisions with confidence. While our website doesn't contain every company or financial product available on the market however, we're confident that the guidance we offer, the information we provide and the tools we create are impartial, independent easy to use and cost-free. So how do we make money? Our partners pay us. This could influence the types of products we write about (and the way they appear on the website), but it doesn't affect our suggestions or recommendations that are based on thousands of hours of research. Our partners do not pay us to guarantee favorable ratings of their goods or services. .

What is Community Development Financial Institutions?

CDFIs are banks and credit unions that provide financial services to people who are typically excluded from financial institutions.

By Amber Murakami-Fester. Amber was a former bank writer for NerdWallet. Her work has been highlighted by USA Today, The Christian Science Monitor and The Associated Press. She holds a bachelor's diploma in comparative literature from UCLA.

Updated on Mar 4, 2022.

Editor: Carolyn Kimball Assigned Editor - Banking Los Angeles Times, San Jose Mercury News Carolyn has worked in newsrooms around the nation as a reporter and editor. Her passions include personal finance, sci-fi books and absurd Broadway musicals.

Read by Kathleen Burns Kingsbury Wealth psychology expert and coach Kathleen Burns Kingsbury, founder of KBK Wealth Connection and host of the Breaking Money Silence podcast, is a widely published as a speaker and author. As an expert in the psychology of money, Kathleen has appeared on television and her work has been featured on The New York Times, The Wall Street Journal, "PBS NewsHour," Money magazine, Today Money, Forbes and CNBC. Kathleen was an adjunct faculty instructor at the McCallum Graduate School at Bentley University from 2009 to 2019. She is currently teaching for the Champlain College. Champlain College.

At NerdWallet the content we publish goes through a thorough . We have such confidence in the quality and value of our content that we allow experts from outside examine our work.

A majority of the products we feature are from our partners, who pay us. This affects the products we review as well as the place and way the product appears on the page. But, it doesn't influence our evaluations. Our views are our own. Here's a list of and .

If you're looking for affordable loans and bank accounts but haven't been successful in the past, community development financial institutions might be able to assist.

What exactly are CDFIs?

Community development financial institutions, also known as CDFIs are mostly institutions like credit unions and banks that focus on serving people in communities of low income that have historically been excluded from banking. Contrary to other financial institutions CDFIs rely less on credit scores in providing loans as well as other products.

They also focus on creating long-term relationships with people of the community in order to help them gain financial literacy and set savings goals. They also help improve credit scores and obtain inexpensive loans. CDFIs can also be loan funds or venture capital funds with communities-focused missions.

>> Here's

Bank on a brighter future

Find the right bank that offers great service and an aim to make the world better for us everyone.

A closer look at CDCUs

The community-based credit union or CDCU is a credit union that is a member of Inclusiv which is a non-profit national association of CDCUs that has existed since 1974. Inclusiv invented the term "CDCU" and began to support missions-driven credit unions two decades before the federal government established CDFI certification. CDFI certification. (See a .)

CDCUs share a mission similar to that of CDFIs, but "CDCUs are able to fulfill a wider mission that revolves around financial inclusion. CDFI certification is a measure of financial inclusion. CDFI certificate is an measure of lending activity" says Pablo DeFilippi, senior vice president of membership at Inclusiv. "CDCUs do that and more."

CDCUs could also be CDFIs however, they aren't all. CDCUs with smaller size may not have the resources for CDFI certification or grant-writing. "Part of our mission at Inclusiv is to assist members] become CDFI-certified" in case they're not already, says DeFilippi.

What is the function of CDFIs?

To assist consumers who aren't served by mainstream banks, Congress created community development banking in 1994.

In the U.S. Treasury, CDFIs can often offer low-cost mortgages for first-time home buyers as well as loans for small companies. They may also provide small credit-building loans that are designed to assist consumers improve their credit. Extending credit throughout the community helps promote a stable and healthy local economy.

Are you new to banking? See our

CDFIs specialize in "communication about the right [financial] product at the right moment for [a] consumer. It's as much a strategy as it is an art" DeFilippi explains "You're actually placing yourself in their shoes."

Get your

CDFIs can save you cash for those who require the most. For example, if you need to borrow $500 but aren't eligible for a standard bank loan or it's possible to use a payday lender might offer an loan at an interest rate equivalent to 400% a year. In the rate of a CDFI one who doesn't have an excellent credit score could successfully apply for a loan with an interest rate of 18. This can result in savings of hundreds of dollars of interest.

To find a CDFI banks or credit union in your area you can look through the state-by state list below. To find a more comprehensive list, go to the .

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

None

New Jersey

New Mexico

New York

North Carolina

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

None

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

The author's name is Amber Murakami-Fester is a former banking writer for NerdWallet. Her writing has been featured in USA Today and The Christian Science Monitor.

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Debt Relief: Understand Your Options and Consequences

Advertiser disclosure You're our first priority. Every time. We believe that everyone should be able to make financial decisions without hesitation. Although our site doesn't feature every company or financial product available on the market, we're proud that the advice we provide and the information we offer and the tools we create are impartial, independent simple, and free. So how do we make money? Our partners compensate us. This can influence the products we review and write about (and the way they appear on the website), but it doesn't affect our advice or suggestions which are based on many hours of research. Our partners do not pay us to guarantee favorable review of their services or products. .

Debt Relief: Understand your options and the consequences

Debt relief can ease the burden of debt that is overwhelming however it's not suitable for all. Here are some options to think about.

By Bev O'Shea personal finance writer | MSN Money, Credit.com, Atlanta Journal-Constitution, Orlando Sentinel Bev O'Shea is a former NerdWallet authority on consumer credit, scams and identity theft. She holds a bachelor's degree in journalistic studies from Auburn University and a master's in education from Georgia State University. Before coming to NerdWallet she worked for the daily papers, MSN Money and Credit.com. Her work was featured throughout the world in The New York Times, The Washington Post, the Los Angeles Times, MarketWatch, USA Today, MSN Money and other publications. Twitter: @BeverlyOShea.

Updated January 7, 2023 1:32PM PST

Edited by Kathy Hinson Lead Assigning Editor Personal financial, credit scoring, financial management and debt Kathy Hinson leads the Core Personal Finance team at NerdWallet. In the past, she worked for 18 years working at The Oregonian in Portland in positions such as copy desk chief and team director of design and editing. Her previous experience includes copy and news editing for many Southern California newspapers, including the Los Angeles Times. She earned a bachelor's degree in mass communication and journalism from Iowa's University of Iowa.

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Table of Contents. Show More

Table of Contents

You're not making progress on your debts, no matter what you do? If so, you might be facing massive debt.

To free yourself from this financial burden, consider your debt relief options. These tools may alter the terms of or the amount so you can recover quicker.

But debt-relief programs are not the ideal solution for everyone. Moreover, it is important to know the implications.

Debt relief could involve wiping the debt completely out through bankruptcy, obtaining adjustments to your interest rate or payment schedule to lower your payments or convincing creditors to to accept less than the entire amount owed.

If you are in debt, it is best to seek relief

Think about bankruptcy, debt management , or debt settlement when one of these is true:

You have no hope of paying off unsecured debt (credit cards, medical bills, personal loans) within the next five year, even though take extreme measures to cut spending.

The sum of your unpaid unsecured debt must be at least half of your total income.

On the other hand, if you could potentially pay off your debt in five years, consider a self-help plan. This could consist of a mix of debt consolidation, appeals to creditors and stricter budgeting.

From top to bottom

Beware of scams, debt relief downside

The industry of debt relief is full of fraudsters who want to take what little money you have. Many who sign up for the debt reduction programs do not complete them. It is possible to end up having debts that are bigger than when you started.

The debt relief program could offer you the new start or the breathing space that you require to finally achieve real progress.

Make sure you are aware of -and verify these points prior to entering into any contract:

What are the requirements to be qualified.

What are the costs you'll be paying.

Which creditors are receiving payments, and how much; If your debt is in collections, ensure you understand who owns the debt, so that payments are made to the correct agency.

The tax consequences.

Return to the top

Relief from debt through bankruptcy

There's little point in entering an agreement for a debt settlement or a debt management strategy when you're not likely to be able to pay as the terms agreed upon. It is recommended to speak with a first, prior to pursuing any debt relief strategy. Initial consultations are often cost-free, and if you don't qualify then you are able to move on to alternative options.

The most popular type of , Chapter 7 liquidation, can erase most credit card debt, unsecure personal loans and medical debt. The process can be completed within three or four months, if you are eligible. What you should know:

It won't erase or obligation to pay child support, and the student loan debt is highly unlikely to be forgiven.

It can be detrimental and remain on your credit report for as long as 10 years while you try to rebuild your credit score. If your credit is already in bad shape it is possible that bankruptcy will enable you to repair your credit faster rather than attempting to pay back. (Learn more about when .)

If you've used a , your bankruptcy filing makes the co-signer responsible for the obligation.

If debts continue to pile up, you can't make another application for up to eight years.

It may not be the best option in the event that you must give up property you want to keep. The rules vary by state. Most of the time, certain types of property are exempt from bankruptcy, like vehicles with a specified value, and a portion of the equity of your home.

It may not be necessary when you're "judgment proof," which means you don't have any income , or property that creditors can take on. The creditors can still be able to sue you and receive a judgement, but they won't be in a position to collect.

Also, not everyone with a large amount of debt can qualify for. If your income is above the median for your state and your family size or you have a home you want to save from foreclosure and you are in need of a loan, you might have to make an application to file Chapter 13 bankruptcy.

It is a three- or five-year court-approved repayment plan, based on your income and financial obligations. If you are able to stick with the plan throughout its period, any remaining unpaid debt is discharged. It will be more time-consuming than a Chapter 7 however, if you're able to keep up with your payments (a majority of people can't) then you'll be able to keep your property. A Chapter 13 bankruptcy stays on your credit report for seven years from the filing date.

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Relief through debt management strategies

A lets you pay off your debts that are not secured -- typically credit cards -- in full, but usually at a lower cost or fees that are waived. It is a one-time payment every per month, to the credit counseling agency that distributes the money among your creditors. Credit card and credit counselor firms have agreements that are long-standing that help people with debt.

Your credit card accounts will be shut and, most of the time, you'll have to go with no credit card until you've finished the plan. (Many people don't complete their plan.)

The plans for managing debt do not impact your credit score But closing accounts may harm your score. Once you've completed the plan, you can make a new application for credit.

Missing payments can knock you out of the plan however. Also, it's crucial to select an agency that is accredited by the or the . But, it is important to ensure you are aware of the costs and other options you could have to deal with debt.

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Relieved through debt settlement

is the last option for people who are in a state of overwhelming debt, but aren't eligible for bankruptcy or simply don't want to file bankruptcy.

Companies that offer debt settlement typically ask you to stop paying your creditors and instead put the money in an Escrow account. Each creditor is approached as the money accumulates in your account, and you get further behind on your payments. A fear of not getting anything at all may motivate the creditor to accept an offer that is smaller in lump-sum and not pursue you for the rest.

In the event that you don't pay your bills, it could cause collections calls, penalty fees and, possibly, legal action against you. Debt settlement stops none of that , even though you're bargaining. It can take a long time before the settlement proposals start. Depending on how much your debt is, this process could take years and the continued late payments further damage the credit rating.

There is also the possibility of taxes due on forgiven amounts (which the IRS considers income). The law suits can result in the garnishment of wages and property liens.

It is possible to try it make it happen, or employ an expert. The industry of debt settlement is rife with scammers however, it is recommended that the Consumer Financial Protection Bureau, the National Consumer Law Center and the Federal Trade Commission caution consumers with the most severe of phrases.

Some of those companies also claim to be . They're not. Consolidating debt is something you can handle yourself and won't harm your credit score.

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Do-it-yourself debt relief

There's no reason to think that you shouldn't take advantage of any of the above-listed options for debt relief and then create your own debt relief plan.

You can take the steps that credit counselors do in their debt management strategies: Call your creditors, explain why you fell behind and what concessions you'll need to make to catch up. Many credit card companies offer hardship programs, and they may be willing to lower the interest rate and eliminate charges.

You could also learn on debt settlement and then negotiate an agreement with creditors yourself. (Learn how to do this .)

If the debt you have isn't insurmountable, more traditional debt-payoff strategies may be possible. For example, if your credit score is satisfactory, you might be able to apply for an account with a 0% balance transfer rate that could give you some breathing room. You could also find a credit card one with a lower rate of interest.

Those options won't hurt your credit score so long as you pay the monthly payments and pay them on time, your credit score should rebound.

If you choose to do this but you're in debt, it's crucial to plan a strategy that will prevent you from running up your again. It can also be difficult to get an additional credit card or loan in the event that you're heavily in debt. That is often the reason for missed payments or high balances which can affect your credit standing.

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What is not to do

Sometimes, debts become overwhelming and come with a devastating speed such as a health issue, unemployment or an natural catastrophe. Or maybe it came a little at a time, and now collection agencies and creditors insist on paying the bill, but you're unable to.

If you're feeling overwhelmed by debt, here are some things you should avoid:

Do not ignore a secured loan (like the car loan) in order to pay an unsecured one (like hospital bills (or credit card). You could lose the collateral used to secure that debt, which is in this instance your car.

Do not borrow against the equity of your home. Your home is at risk of being foreclosed upon and you may be turning the debt you are unable to pay off and could be wiped out in bankruptcy, into secured credit which is not able to.

Don't withdraw money from your account . This cuts the chance of an financially secure retirement.

Think twice about borrowing money from workplace retirement accounts in addition. If you lose your job the loans could result in accidental withdrawals and trigger a tax bill, which is the last thing you need.

Do not make your decisions based on which collectors pressure you the most. Instead, you should look into your options and select the most appropriate one to suit your needs.

Are you ready to take on your debt?

Monitor your spending and balances in one spot to help you see how you can get rid of the debt.

Author bio Bev O'Shea is a former credit writer at NerdWallet. Her work has been featured in the New York Times, Washington Post, MarketWatch and elsewhere.

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5 minutes read. Published March 22, 2023

Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ways and pitfalls of taking out loans to buy an automobile.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to control their finances through providing precise, well-researched and well-researched content that break down complex subjects into bite-sized pieces.

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The last two years of vehicle prices have been a rollercoaster ride for both the sellers and drivers. This summer saw record-high price transactions and an MSRP above $48,000, as per Kelley Blue Book (KBB) and followed suit. Thankfully, car prices have been settling down during the holiday season, following the peak price of this summer. But -- simultaneously -the interest rates are on the rise. This synchronous increase in rates and a decrease in price has undermined any positive outcomes for consumers. The interest rates for new cars increased in October to 4.2 percent a year ago, as per Edmunds information. This has compounded into an unsettling situation for those finally feeling some relief on the sticker cost. As the possibility of a recession looms in the near future, it is essential to know how it could affect the monthly cost of owning a vehicle. The monthly payments have increased by 3.3%. The monthly payment is based on many elements, such as the car and loan term. But the cost is also affected by the benchmark rate, which is set by the Federal Reserve, which auto lenders use to . Since as the Fed rate has increased- currently set at 4.75-5 percent in the last year, the cost to borrow money has followed. The result is that lenders have increased the price of finance. The more you spend for financing, the more the interest rates and thus the more expensive the monthly cost is. October set a record in the monthly average of new car payments that cost $748, according to KBB. While prices have decreased by almost 5 percent, monthly payments are up 3.3 percent, according to a CoPilot study. Although this increase might seem small, it's actually amounted to more than a thousand dollars during the . This created an unfortunate outcome for drivers who were finally getting relief from falling vehicle prices. The savings that could be made are being wiped out by the rising interest rates. Even if prices for car transactions are less expensive however, they will be higher, which makes it difficult for drivers to save in the first place. Lower wholesale prices haven't been transferred to retail prices. Logic tells us that if wholesale prices are lower then the price consumers pay will follow However this isn't the scenario. Since the beginning of the year, wholesale prices have dropped more than 15 percent. But the average transaction price for vehicles is still much higher. This is primarily due to the constant demand for new vehicles. October saw the highest volume of new vehicle inventory since the beginning of May in 2021. However, just because these vehicles are readily available does not mean drivers can afford them. For many buying a car right now is not worth it. As mentioned, October set record-breaking monthly payments of nearly $750 according to KBB. So, even though vehicle inventory showed a bump however, it is still low according to norms of the past. This shortage of inventory results in continued high prices in the retail sector. A rise in credit union auto loans A reaction to the high interest rates has prompted some borrowers to finance with . The difference between financing with a credit union is based on the available money present. Credit unions are member-owned and not for profit that means they typically have less fees and lower loan rate of interest. For the quarter that ended in the year 2022, Experian discovered that credit unions have been growing in market share over the last five years, but have fallen in with the Fed increasing interest rates. Credit unions are a great source of financing. is only one of the ways drivers are finding relief in this . The fight of the Fed to curb inflation is not going to end anytime soon The Federal Reserve walks a thin line between regulating inflation while ensuring that prices remain affordable for consumers. The auto market is a prime illustration of the areas where inflation isn't under control. And, unfortunately these rates are not expected to go away anytime in the near future. "Affordability will be in doubt for years to come in both the used and new market," explains Cox Automotive Chief Economist Jonathan Smoke. "It's not the fault of the Federal Reserve, but it will impact consumer access to transportation." KBB found an average earner would need to put in 40 weeks of work to finance the purchase of a new car. These kinds of statistics, Smoke says, make car financing particularly difficult for lower earners. "Higher rates are already shifting access to vehicles and financing towards wealthier consumers," he says. The lack of access to vehicles makes it challenging for consumers to react as they would have done in similarly challenging economic times. When we look back to 2008's recession, people enjoyed the benefits of incentives for vehicles and the rush of dealers wanting to sell. With fewer vehicles available and less incentive provided to motorists. Two major reactions to the likelihood of inflation rising are overall debt growing -that is evident in the higher delinquency rates and drivers experiencing faster rates of depreciation. Auto loan debt is continuing to rise. In total loan balances have grown 8 percent in the first quarter of 2021 to 2022, according Experian. This is reflected in the huge . In addition to overall growth in debt The number of borrowers increased. The second quarter in 2022 TransUnion found that 3.34 percent of auto loans were more than 30 days delinquent. This is one of the highest delinquency numbers in the last couple of years. While it is true that part of the reason is due to the backlog of accounts following the pandemic, this increase is still notable especially for those who are most greatly affected. "Delinquencies remain in line with previous levels for the majority of credit products. However, the number of delinquencies has been rising over the past year, especially in the subprime segment of consumers," says Michele Raneri, vice president of U.S. research and consulting at TransUnion. The forecast also predicts that auto loan balances will exceed any remaining student loans within the first quarter of 2023, according to the Consumer Financial Protection Bureau. This increases the effect of domino effects that decisions from Central Bank actions Central Bank have on vehicle affordability. Therefore, when delinquencies are returning to pre-pandemic levels, it's essential to be aware of how the rising interest rates will continue to make expensive -- increasing the chance of delinquency. Drivers are faced by a faster than normal depreciation of their vehicles On the top of the high cost of vehicles and interest rates, motorists are likely to lose money over the months ahead due to faster vehicle depreciation, says Henry Hoenig, data journalist for Jerry. The primary reason for this is from the timing of when the owners purchase their cars. "People who bought used cars within the last year or two have paid exorbitant costs," Hoenig explains. As the used car market is cooling, these motorists are at the highest chance of experiencing rapid depreciation. But it is not all bad news for vehicle owners. "For at most the next year or so, used vehicle prices likely won't fall back to where they were before the huge run-up in the last two years," Hoenig says. This is due due to the fact that the supply will not return to its regular levels anytime soon. This isn't the best time to buy an automobile. The high costs of car ownership aren't the only expenses that Americans are currently faced with. "Consumers are under pressure on multiple fronts due to the present environment of high inflation, as well as by the higher rates of interest that is the Federal Reserve is implementing to slow it down," Raneri explains. The purchase of a car can be one of the most costly purchases consumers make. And when interest rates are high, patience may be a viable option. The fact that prices are high is not a surprise, but waiting for a big purchase like a vehicle can result in savings. If you do not have the privilege of waiting, prepare to spend more money and think about ways to save when buying a car in a .

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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ins and outs of securely using loans to buy an automobile.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to control their finances by providing precise, well-researched and well-documented data that breaks complicated topics into bite-sized pieces.

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