Generation Y and Debt, The Recession and Chapter Bankruptcy

Young adults have been hit plenty hard by the recession. A recent study by Western Union Survey reveals that almost one in five members of Generation Y have lost their job.

The numbers paint a tough picture for a segment of the population still early in their working lives:

  • 17 percent lost their primary jobs during the recession
  • 56 percent were looking for new jobs
  • 37 percent were looking for a second job to supplement their income
  • 8 percent declared chapter bankruptcy.

Looking at the numbers, UPI declares this generation the one hit hardest by the recession.

Generation Y encompasses anyone born between 1979 and 1999.

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Rebuild Credit after Bankruptcy through Four Simple Steps

Yes, you have read it right! It is indeed possible to rebuild credit even during the term of a bankruptcy. You need not wait for seven to ten long years before you attempt to regain your credibility as a borrower. You can even start doing it today.

Do not imitate consumers who have waited for their bad credit reports to close before they started reestablishing their credit profiles. Instead resolve to take steps that will allow you to immediately bounce back from bankruptcy and gradually recover your financial health. But how can you do this?

We have listed four simple steps that you can follow for you to successfully rebuild your credit history.

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Students Face Financial Charges At 18

A recent study conducted by one of the country’s largest loaning company for students, Sallie Mae, they found out that college student use about 4 credit cards to pay for whatever that is that they purchase. In study, it showed that a lot of college students are now facing financial charges since they could not afford to pay their monthly financial burden on time. According to the study, the median amount of students’ debts has increased in about 3 percent in only a span of 5 years. Also found in the study that college students nowadays have had debts that was once $373 and is now $939.

Among the many reasons why college students have become suddenly buried in debt is that because credit cards have become more accessible.

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Protecting the Country While Protecting Your Name

Identity theft has been a problem of the county for a long time and has already affected over 11 million American citizens throughout the years. Identity theft is a crime wherein the criminal would use ones credit line or “identity” to pay for the items he or she purchased or for the services he or she acquired. In the United States, soldiers are the most susceptible people who have their identities stolen by these criminals.

Soldiers who are destined overseas, most especially, are the most vulnerable to this kind of criminal act since they go abroad and leave their credit reports behind and checking their credit reports by getting a copy would most likely be a difficult job since they are not in the county.

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Salon Owner Racks Up Credit Card Debt on Celebrity Cards

On the website for her popular Beverly Hills skin care salon, Gabriela Perez is described as the “Michelangelo of skin care.” Her treatments are just about as expensive as one of the renaissance artist’s works, starting at $500 for a consultation, and going upwards of $5,000 for more advanced treatments.

However, what is more expensive than her treatments is her alleged penchant for unauthorized use of her celebrity clients’ credit cards.

CNN reports that the California spa owner has charged at least $280,000 to her clients’ credit cards.

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What to Do When You’re Saving too Much Stuff

Skokie, Illinois fire rescuers recently drilled a hole in the ceiling to rescue an 82 year-old woman from her apartment. They couldn’t use the door because the space was piled to the ceiling with hoarded stuff. Earlier this year, an El Paso, Texas woman died by fire when the newspapers she had hoarded fed the flames. Firefighters couldn’t get through the clutter to save her. These may sound like extreme cases, but hoarding is becoming an ever-increasing problem. Read Full Article…

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