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Improve safety with these distracted driving tips

You may be a safe and cautious driver. That doesn't mean all other drivers who share Kentucky roadways with you are the same. In fact, some are outright menaces to all who share their travel space. Distracted driving is one of the biggest causes of personal injury and fatal motor vehicle collisions. Have you ever been distracted at the wheel? If you answered, "Yes," you are definitely not the only one. Distraction occurs much easier than many people realize.

Chapter 13 bankruptcy may help you get your repayments on track

Whether you have struggled with your finances for years or recently experienced a sudden event, such as a medical emergency or job loss that led to financial difficulties, you know that these issues can affect most areas of your life. You may find yourself unable to pay for necessities or other items without the nagging feeling that you owe a considerable amount of money to creditors. Often, the stress that comes along with substantial debt can leave you feeling overwhelmed.

Watch out for drivers who daydream behind the wheel!

You've likely experienced Kentucky highways at high traffic intervals, where horns are honking and vehicles are speeding past you, perhaps cutting in left and right to try to move ahead of the pack. Trying to safely reach your destination in such circumstances can be extremely challenging. Current data shows that approximately nine people lose their lives every day throughout the nation in motor vehicle collisions that are entirely avoidable.

Bankruptcy doesn't mean giving up all of your property

Overwhelming debt means much more than just cutting back on non-essentials to pay bills. For many people in Kentucky, the reality of their debt is much more dire and may involve avoiding harassing creditor phone calls, watching unpaid bills pile up on the counter and deciding between groceries or the paying for essential medical care.

Out of sight, out of mind: Can you hide your car from creditors?

You, like many other Kentucky residents, likely rely on your vehicle for many needs. Whether you are trying to get to work or run errands, your car can make it much easier to reach your destination as needed. You may wonder what you would do without your car, and you may begin to worry that losing it could be a real possibility if you fall behind on your loan payments.

You can improve your credit score after bankruptcy

Dealing with any kind of debt can feel overwhelming. You may feel like many other Kentucky residents who believe that accruing debt is best left avoided. Unfortunately, not everyone can avoid accumulating outstanding balances due to a number of circumstances, and you may have found yourself facing substantial debt in various forms. Now that you need a serious approach to taking care of your liabilities, you may wonder whether bankruptcy could suit your needs.

Drunk drivers often exhibit signs of their impairment

Driving on busy Kentucky highways can make your heart feel as though it has skipped a beat when nearby motorists exhibit behaviors that make you feel at risk for collision. Sometimes, if you spot potential problem drivers in your vicinity, you may be able to safely distance yourself or take the nearest exit and alternate route. If you can, it may help save other lives as well if you're able to report a particular sign of trouble to the appropriate local authorities.

Foreclosure has begun: Can you stop it?

No matter how long you've lived in Kentucky, the ebb and flow of the local and national economy has likely caused you financial challenges at some point. Perhaps, after you purchased your home, money was a little tight. After all, a move-in cost is always a bit higher than the projection, right? As time went on, hopefully, you were able to gain control of your finances and develop a savings routine. Several years later, you began to struggle again when your spouse's income unexpectedly took a nosedive.

Use means testing to determine bankruptcy eligibility

You are struggling financially and are not sure what to do about it. You've probably heard about a lot of quick fix solutions that really will end up doing more harm than good. You are now considering bankruptcy, but you aren't sure if it is the right choice for you or if you even qualify.

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