After discharge of your Chapter 7 bankruptcy, you are no longer responsible for paying off those debts. However, a record of the bankruptcy and your closed accounts still remain. Because there is still a record, bankruptcy continues to affect your credit score....

The biggest difference between Chapter 7 and Chapter 13 bankruptcy is you repay debts in Chapter 13 through a payment plan. This fact may lead some people to believe that makes Chapter 13 a better option. According to U.S. News and World Report, since both are still...

Even if you have a good health care plan, a trip to the emergency room may set you back hundreds or thousands of dollars. If you must stay in the hospital or undergo a surgical procedure, you may spend considerably more. When the medical bills arrive, you simply may...