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2. How to consolidate debt without hurting your credit

   www.aol.com/finance/consolidate-debt-without...

   If you owe a lot of money on multiple credit cards and loans, ... and missed payments drag down your credit score. ... bankruptcy means attorney fees and remains on your credit report for a long ...

3. Best debt relief options for credit card debt - AOL

   www.aol.com/finance/best-debt-relief-options...

   Chapter 7 bankruptcy is ideal for unsecured loans (such as credit card debt), while Chapter 13 bankruptcy may be best if you have certain assets you want to keep.

4. Best debt relief companies for credit card debt 2024 - AOL

   www.aol.com/finance/best-debt-relief-companies...

   In 2024, credit card debt accounted for 6.36% of all United States household debt, up from 5.8% in 2020. Credit card balances surged during the pandemic and, by the end of 2022, Alaska led the ...

5. Chapter 13, Title 11, United States Code - Wikipedia

   en.wikipedia.org/wiki/Chapter_13,_Title_11...

   The disadvantage of filing for personal bankruptcy is that, under the Fair Credit Reporting Act, a record of this stays on the individual's credit report for up to 7 years (up to 10 years for Chapter 7); [5] still, it is possible to obtain new debt or credit (cards, auto, or consumer loans) after only 12–24 months, and a new FHA mortgage loan just 25 months after discharge, and Fannie Mae ...

6. Bankruptcy Abuse Prevention and Consumer Protection Act

   en.wikipedia.org/wiki/Bankruptcy_Abuse...

   Section 109(h) provides that a debtor will no longer be eligible to file under either chapter 7 or chapter 13 unless within 180 days prior to filing the debtor received an "individual or group briefing" from a nonprofit budget and credit counseling agency approved by the United States trustee or bankruptcy administrator.

7. How to get out of debt without paying - AOL

   www.aol.com/finance/debt-without-paying...

   Bankrate insights. If you have more credit card debt than you can handle, you have some options: Stop paying your credit card bill: If you opt for this approach, the debt is turned over to a ...