Brittney Myers
Brittney Myers is a personal finance expert with more than a decade of experience sharing her advice on major financial platforms. She specializes in distilling complex money and credit topics into engaging and informative content that helps readers make smarter financial choices.
Brittney firmly believes that financial education can change lives. She entered her 20s with poor credit and left them with excellent credit thanks to improving her own financial literacy. She now owns her own home and a successful small business. She's also an avid credit card collector who uses rewards to travel the world.
Can You File Bankruptcy on Student Loans?May 29, 2026
Filing bankruptcy on student loans is possible—but it takes an extra step. Learn how the adversary proceeding works, who qualifies, and what to do if you don’t.
How Much Does Chapter 13 Bankruptcy Cost?May 29, 2026
Chapter 13 starts with a $313 filing fee, plus attorney fees, a trustee fee, and other costs. Learn what you’ll pay—and how most fees could fit into your plan.
Getting a Mortgage After BankruptcyMay 29, 2026
Bankruptcy doesn't end your path to homeownership. Learn how soon you could apply for a mortgage, what lenders consider, and how to prepare your application.
Chapter 7 Bankruptcy Timeline: What to ExpectMay 29, 2026
Chapter 7 bankruptcy typically takes 3 to 4 months from filing to discharge. Here's what happens at each stage—and what could extend your timeline.
How to Get Out of Debt with Bad CreditMay 27, 2026
Bad credit limits your options, but it doesn’t eliminate them. Here are the realistic paths out of debt that don't require a high credit score.
How to File Chapter 13 BankruptcyMay 27, 2026
Learn how to file Chapter 13 bankruptcy step by step—from credit counseling and gathering documents to the repayment plan and discharge.
Rebuilding Credit After Chapter 7May 26, 2026
Your discharge is behind you. Here’s what to expect for your credit reports and a plan to rebuild your credit going forward.
Rebuilding Credit After BankruptcyMay 26, 2026
Bankruptcy damages your credit but doesn't ruin it for life. Learn how to check your reports, choose the right tools, and rebuild step by step.
How to Handle $25,000 in Credit Card DebtMay 26, 2026
Carrying $25,000 in credit card debt? You have options whether you’re still current or already behind. Learn which path forward fits your situation.
Bankruptcy Alternatives: Your Options and How to DecideMay 25, 2026
Behind on debt or worried about it? Bankruptcy isn’t the only option. Learn which alternatives you could qualify for, afford, and that actually fit your goals.
How to Get Out of Debt With No JobMay 25, 2026
Lost your job but still have debt? Learn what to do first, which debt relief options could still work with no paycheck, and what to expect if payments stop.
Chapter 7 vs Chapter 13 Bankruptcy: Which Is Right?May 25, 2026
There are two types of bankruptcy: Chapter 7 and Chapter 13. Find out here which could meet your needs.
Credit Card Lawyer: When You Need One for DebtMay 25, 2026
A credit card lawyer could help if you've been sued, harassed by collectors, or can't resolve your debt alone. Learn when to hire one and what to expect.
Debt Consolidation vs. Debt SettlementMay 23, 2026
Debt settlement and debt consolidation are two different ways to deal with debt. Learn about both to decide which is right for you.
Credit Card Debt Forgiveness: Is It Possible?May 23, 2026
Credit card debt forgiveness is possible, but not always how the ads make it seem. Learn how it works, who it's for, and what it really costs.
What Are the Real Risks of Debt Settlement?May 13, 2026
Debt settlement carries risks: credit damage, lawsuits, taxes, fees. Learn what could happen, and how to decide if the potential trade-off makes sense for you.
Coping with Financial Hardship: Practical TipsMay 13, 2026
Struggling financially? Learn how to gauge your situation, triage your bills, find assistance programs, and explore debt relief options that could help.
Should I Stop Payments and Negotiate My Debt—Or Is That a Bad Idea?May 13, 2026
Whether stopping payments to negotiate debt makes sense depends on where you stand—not on the sales pitch. Here's a framework for both situations.
How Much Credit Card Debt Is Too Much?May 13, 2026
No single number defines “too much” credit card debt. Use these benchmarks to judge for yourself—and find out what to do if your balance has gone too far.
Should You Use a Home Equity Loan to Consolidate Debt?Apr 27, 2026
A home equity loan could help you consolidate high-interest debt into one fixed payment. Learn how it works, what it costs, and when it makes sense.
What Happens If You Default on a HELOC or Home Equity Loan?Apr 27, 2026
Defaulting on a HELOC could put your home at risk. Learn what happens step by step, and what options you have before it gets to foreclosure.
Home Equity Loan Refinance: When to Do It and How to Get StartedApr 27, 2026
Thinking about refinancing your home equity loan? Learn the three ways to do it, what you need to qualify, and when it's actually worth the cost.
Is a HELOC a Subordinate Lien? And Why Should You Care?Apr 27, 2026
Yes, a HELOC is typically a subordinate lien, and that lien position could affect your refinance, your rates, and your options. Here's what to know.
Can You Use a Home Equity Loan for Business?Apr 27, 2026
A home equity loan could fund your business, but your home is on the line. Here's how it works, what it costs, and when it could make sense.
HELOC for BusinessApr 27, 2026
A business HELOC lets you tap your home equity for company expenses. Learn how it works, what it costs, and when the risks may outweigh the benefits.
Is HELOC or Home Equity Loan Interest Tax Deductible?Apr 27, 2026
HELOC and home equity loan interest may be tax deductible, but only under specific IRS conditions. Learn what qualifies and how to check if you can claim it.
How to Get a Home Equity Loan With Bad CreditApr 27, 2026
A lower credit score doesn’t close the door on home equity. Learn what lenders look for, which options may still work, and how to improve your odds.
Home Equity Loan vs. Car Loan: Which Is the Better Deal?Apr 23, 2026
Comparing a home equity loan to a car loan? Learn the key differences, real risks, and which option fits your situation.
Using a Home Equity Loan for Home ImprovementsApr 20, 2026
Planning a renovation? Learn how a home equity loan works for home improvements, how it compares to a HELOC and personal loan, and how to choose the right option.
How to Get a Home Equity LoanApr 18, 2026
Learn how to get a home equity loan step by step, from checking your equity to closing the loan. Understand requirements, documents, and what to expect.
Home Equity Loan vs. Cash-Out Refinance: Which Option Actually Costs Less?Apr 17, 2026
A cash-out refinance may offer a lower rate, but that may not mean it costs less. Learn how surcharges, closing costs, and your existing mortgage rate determine which option could save you more.
How Does a Home Equity Loan Work?Apr 11, 2026
A home equity loan lets you borrow a lump sum against your home's equity at a fixed rate. Learn how it works, how much you could borrow, and what to watch out for.
What Happens When a Creditor Refuses to Settle?Mar 22, 2026
A creditor refusing to settle doesn't mean your program is over. Here's what actually happens to a refused account—and what to do next.