Living underneath the weight of credit card debt is the norm for many households in the United States. In some cases in Pennsylvania, the debt may be so great that a person considers filing for Chapter 13 bankruptcy, where they reorganize their debts and can save their homes from foreclosure. However, this may be reversed simply through the art of negotiation. A few tips may help a person to effectively negotiate with credit card companies in order to more easily pay off outstanding debt.
Divorce and bankruptcy have a very complicated relationship, which is either ironic or appropriate (we can't tell). In some cases, a bankruptcy filing may trigger a married couple to reconsider their relationship, thus sparking a divorce. In other cases, it may be the other way around: the divorce takes a financial toll on one of the spouses (or both), thus leading them to file for bankruptcy.