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The risks of taking out payday loans can't be ignored

If you've been short on cash in the past, one of the things you might have done is sought out a payday loan. If you have the income coming in to pay off the loan, it can be a good way to help you get through a difficult time. However, payday loans are often dangerous and can get you into deep financial trouble if you're not careful.

These signs might mean it’s time for you to file bankruptcy

If you live in Waco and feel like there is no way you will be able to get your debt under control, keep in mind that you have options. For some people, debt counseling is enough to help them get back on track. However, many others require additional help, such as bankruptcy, in order to reorganize their finances and pay down their debt.

Bankruptcy and taxes: Can I make my IRS tax debt disappear?

Did you skip paying your taxes for several or more years? Regardless of whether you're an employee or a self-employed business owner, it's easy to fall into a difficult financial circumstance that prevents you from paying your tax bill. Tax obligations like this can really add up over the years, and before you know it, your tax debt can become unaffordable.

Estate planning protects your loved ones and peace of mind

Considering your own death can feel a little morbid. However, avoiding it can lead to a number of issues. For example, if you aren't married, your estate and assets will pass to other family members. If you have minor children, they could inherit your estate. If you haven't taken the time to create an estate plan or last will with guardians for your children, however, your children may not ever see those assets.

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