Richard J. Shurtz, Attorney at Law

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June 2014 Archives

Differences between Chapter 7 and Chapter 13 bankruptcy

Whenever an individual is overly burdened by debt, their entire world can often seem to have lost all appeal. Every aspect of life may be distorted by the idea that life may never be enjoyable again due to the fact that every financial resource is already spoken for. However, there may be relief from crippling debt in the form of a bankruptcy filing. Some individuals and families in Washington may benefit from a more thorough understanding of some of the classifications of these types of debt relief.

Medical debt can negatively affect credit for years

There may be many who are not aware that old medical bills are viewed by creditors just as other unpaid debts, and as a result, they can have a negative impact on one's credit score and financial well-being far into the future. There has been legislation introduced that may provide some relief for those struggling with medical debt, but the measure has not progressed far at this point. Understandably, the economy has made it hard for thousands of families, and there may be a proportional number in Washington who might be struggling just to pay their regular obligations.

Uncle Sam investigating some banks over foreclosure expenses

The housing crisis a few years ago costs thousands of families their homes and their sense of security. Now, it seems that it may have also taken a bite out of Uncle Sam's pocket, which ultimately means the citizens' wallets in the form of higher taxes. Several banks have been ordered to respond to questions concerning foreclosure fees. Those who have lost or purchased homes in Washington may be interested in the outcome of this current investigation.

Suggestions for lessening medical debt from medication costs

When necessary, patients often have to plan for a stop at their neighborhood pharmacy right after leaving an appointment at the doctor's office. However, for far too many people, the choice between purchasing their prescribed medication or adding to increasing medical debt can be a difficult one. Understandably, there are many Washington consumers facing this dilemma.