northlightimages/Getty Images Key takeaways Each state has a different statute of limitations on car repossession debt, including auto loans, with most ranging from three to six years. After the statute of limitations has passed on your debt, debtors and collectors can still contact you. However, they can no longer bring…

Americans spend an average of $141 every month on their phone bill.1 That’s almost $1,700 a year! The good news is, there are plenty of phone plans at different price levels to choose from. Let’s explore the best options for the cheapest cell phone plans—so you can find one that fits…

Key takeaways Adding a co-borrower or a co-signer can improve your approval odds and help you secure better terms. Co-signers back the loan but don’t have access to the funds, whereas co-borrowers can access the borrowed funds. Being a co-signer or a co-borrower can impact your credit and comes with…

Ever ask yourself, How much should I tip the barista for that Cinnamon Toast Crunchuccino? What about the pizza guy? Or your barber or hair stylist? You’re not alone! Tipping can be pretty awkward (and filled with guilt). We’ve all experienced that fight-or-flight moment when the iPad of doom flips…

Key takeaways Townhouses offer homeownership at a more affordable price point than a freestanding single-family home. However, in exchange you’ll likely have less space, less privacy and potentially high HOA fees. When buying a townhouse, it’s smart to work with an agent who is knowledgeable about the townhouse communities in…

Precious metals such as silver have long been an alternative to traditional investments such as stocks and bonds. When times get tough or the economy faces severe inflation, some investors turn to silver to hedge their bets or to invest more defensively. Silver prices spiked in March 2023 following the…

Over the past couple of decades, researchers have repeatedly found direct links between loneliness and physical and psychological problems that are literally killing us—like heart disease and mental illnesses.1 Loneliness can cripple us physically, unwind us mentally, and make it difficult to be spiritually whole. Here’s an uncomfortable truth: We’re…

A 529 plan gives consumers a tax-advantaged way to pay for education, and that’s a boon for parents and other family members who want to save for a child’s schooling. A 529 plan offers several other benefits, including the ability to invest with potentially high-return assets such as stock funds,…

Key takeaways The court could dismiss your case or change it to Chapter 7 if you’re late on your Chapter 13 payment. You can request a payment reduction or amendment if you’ve faced an unexpected financial hardship. If you miss a payment or think you could be late in the…

If you’re considering bankruptcy—or if you’ve already filed—then you’ve probably heard about something called the 341 meeting. The 341 meeting is an important part of the bankruptcy process because it establishes the facts of the bankruptcy and decides how the debtor will repay creditors. The not-so-fun part? Creditors are also…