In this episode of the Break Free Show, host Ben shares his near-miss with choosing the wrong type of bankruptcy while struggling with $60,000 in debt. He breaks down the crucial differences between Chapter 7 and Chapter 13 bankruptcy, explaining how Chapter 7 can provide a fresh start by wiping out unsecured debts quickly, while Chapter 13 involves a three to five-year repayment plan. Through personal experience and professional insight, Ben helps you understand which type might be right for your situation.

00:00 Introduction to Bankruptcy Myths00:24 Personal Bankruptcy Journey02:00 Chapter 7 Bankruptcy Explained02:34 Chapter 13 Bankruptcy Insights03:49 Choosing the Right Bankruptcy Type04:44 Free Tools and Resources05:43 Conclusion and Additional Resources

✨ Use our free tool to check your debt relief options: https://link.upsolve.org/411TI8K

📚 To learn more about the topics discussed in this episode, check out this Upsolve article: https://link.upsolve.org/4gzjYfc

👉 Upsolve is the internet's leading nonprofit source of financial education. Nearly 3 million Americans visit Upsolve.org each year. Our services are 100% free. Here's how we do it: https://link.upsolve.org/42EQAB4

🎧 Subscribe for moreLike this show and subscribe to our channel for more tips on handling debt and improving your financial future!

📱 Stay Connected with Upsolve!https://link.upsolve.org/4hdpAwz

Four Legal Ways to Stop Wage Garnishment with Ben from Upsolve

In this episode of the Break Free Show, Ben, co-founder of Upsolve, shares his personal experience with debt and wage garnishment. He offers crucial insights into four ways to halt wage garnishment: negotiating with creditors, challenging garnishment in court, filing for bankruptcy, and seeking help from non-profit credit counselors. Ben emphasizes that wage garnishment isn't a permanent situation and provides practical advice to navigate out of it. The episode aims to empower viewers facing financial hardships with actionable solutions and resources, including Upsolve's free tool for personalized debt relief options.

00:00 Introduction: The Fear of Wage Garnishment00:35 Welcome to the Break Free Show01:14 Understanding Wage Garnishment01:38 Four Legal Ways to Stop Wage Garnishment01:40 Option 1: Negotiating with Creditors02:01 Option 2: Challenging Garnishment in Court02:21 Option 3: Filing for Bankruptcy03:07 Option 4: Non-Profit Credit Counseling03:24 Taking Action Against Garnishment03:41 Upsolve: Your Debt Relief Partner04:03 Stay Connected and Informed04:58 Conclusion: Financial Freedom for Everyone

✨ Use our free tool to check your debt relief options: https://link.upsolve.org/3Q5vbcy

📚 To learn more about wage garnishment and your rights, check out this Upsolve article: https://link.upsolve.org/4gt1T2r

👉 Upsolve is the internet's leading nonprofit source of financial education. Nearly 3 million Americans visit Upsolve.org each year. Our services are 100% free. Here's how we do it: https://link.upsolve.org/3Q9llXs

🎧 Subscribe for moreLike this video and subscribe to our channel for more tips on handling debt and improving your financial future!

📱 Stay Connected with Upsolve!https://link.upsolve.org/4hdpAwz

Can You Discharge Student Loans Through Bankruptcy? Breaking Financial Myths

In this episode, Ben breaks down the myth that student loans can’t be discharged through bankruptcy, explaining how some private student loans can qualify for discharge and the rules around federal loans. He also highlights Upsolve’s free bankruptcy tool for checking your eligibility.

Show Notes:00:00 Introduction: Can Bankruptcy Erase Student Loans?00:42 Debunking the Myth: Bankruptcy and Student Loans01:13 Private Student Loans: When Can They Be Discharged?02:17 Federal Student Loans: The Brunner Test03:30 Steps to Determine Your Eligibility04:57 Exploring Other Debt Relief Options05:15 Key Takeaways and Final Thoughts05:44 Additional Resources and Closing Remarks

✨ Check your debt relief options for free: https://link.upsolve.org/3Q9e8GK📚 Learn more about discharging student loans: https://link.upsolve.org/4aLLViP👉 How Upsolve is 100% free: https://link.upsolve.org/42GVQUR

📱 Stay connected with Upsolve: https://link.upsolve.org/m/podcast