The Verdict: The Pure Rewards card from Affinity Credit Union is similar to their Premium card, with an added rewards program. This credit card has no annual fee, no hidden costs and carries an APR as low as 12.0%. With a full range of travel and shopping benefits, such as auto rental insurance, a warranty program and discounts at retailers, this card has a lot to offer. Although the APR for this credit card can be high, it is still a good option for members who never carry a balance and want to earn rewards for their purchases.
Overview: There are two credit card options for members of the Affinity Federal Credit Union: the Premium Visa card and the Pure Rewards Visa, which offers the same benefits of the Premium with an added rewards program.
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Marriage is really important in bankruptcy and one of the most complicated and confusing areas of bankruptcy practice.
Can one spouse file without the other spouse?
In short, yes. But your spouses income, expenses and property need to be accounted for in the bankruptcy filing. In California we have two different ways to exempt and protect your property (that are supplemented by other state and federal protections). T
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Only you know the details of your daily life –whether your efforts to earn money, pay expenses, and save for future expenses are reasonable and ordinary, given the unique challenges you face due to your specific circumstances.
We all know that these are challenging times due to economic conditions here and globally. But people who are in debt are at a disadvantage because debt payment gobbles up income, especially since debt is not just the amount of money you originally borrowed, but also interest charges and other penalties. These added amounts increase every month that you can’t pay off the full balance, and creates a vicious cycle that leaves you unable to get out of debt.
If you realize that it is possible to pay a minimum monthly payment on a debt and it will take 30 years to pay off. Find
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Lookin to get your small business on the ‘social’ scene? Now you can courtesy of American Express. Small businesses now have a brand new resource available to help them grow and succeed through social media; “Social Media Show + Tell.” Part of American Express’ newly created Business Knowledge Share enhanced LinkedIn user group, the “show and tell” videos are available to members. It includes representatives from digital and social platforms – starting with Facebook – explaining how their tools can have a formidable impact on small businesses and empower business owners to maximize the potential of the growing digital landscape. The “Social Media Show + Tell” videos aim to demystify social platforms for small businesses, offering easy to understand commentary and advice from experts on the platforms. Start mixing and mingling your business now!
Are African-Americans not getting the “fresh start” they deserve when filing for bankruptcy? According to a new study entitled “Race, Attorney Influence, and Bankruptcy Chapter Choice,” by Jean Braucher of the University of Arizona and Dov Cohen and Robert Lawless, both of the University of Illinois, blacks file Chapter 13 at higher rates than all other races.
The abstract states that “although chapter 13 can offer some legal advantages for persons seeking to protect valuable assets such as a house or automobile, it generally offers less relief and costs more than the primary alternative available to consumers, chapter 7. The chief feature of a chapter 13 bankruptcy case is a plan under which the debtor must devote all of his or her disposable income to creditor repayment over a 3‐ to 5‐year period. Cha
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An Atlanta-area bookstore surprised its fans last week when it filed for Chapter 7 bankruptcy protection to deal with its $508,673 in debts. At the time of the filing, it seems, Outwrite Bookstore had less than $300 in its checking account, a circumstance that underscored the dire financial straits the bookstore found itself in.
Part of a Larger Trend
While Outwrite’s Chapter 7 filing in particular came as a surprise (the bookstore had admitted financial troubles in recent months, but had apparently held a fundraiser to help with relocation costs even as it was paying a bankruptcy lawyer to help it draw up plans for winding down), its place in the grand scheme of booksellers these days is nothing new.
With online giants like Amazon underselling most of its competition, many independent (and even not-so-independent, ahem, Borders) brick-and-mortar sellers have felt a serious strain.
Individual Chapter 7 vs. B
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