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In debt?

If you’re in over your head and are struggling to keep up to date on your credit cards, store cards, car payments and or mortgage, don’t lose hope. There are several strategies you can use, to make things more manageable, […]
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Life after bankruptcy

According to government statistics, 1.664,000 Americans filed for bankruptcy between September 2010 and September 2011. What does this mean? It means you are not alone! For many, bankruptcy provides a second financial chance. Although a bankruptcy filing will stay on […]
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IS BANKRUPTCY THE RIGHT THING TO DO?

Ask yourself the following: • Are you heavily in debt, with little prospect of relief in the near future? • Have you had, or are your creditors threatening, a foreclosure on your home, a repossession of your car or other […]
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File bankruptcy – Rebuild credit

After a debtor receives a discharge in bankruptcy, creditors whose debts are discharged are required to report that the account has a zero balance. The bankruptcy itself is a public record and stays on your credit report for 10 years, […]
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When You Can’t Pay Your Business Debts!

If your business is in distress – you owe a lot of money but you can’t pay, your creditors will probably threaten legal action against your business and very likely, you personally as well. How much they can collect, and […]
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12 REASONS TO CALL ME

My number is below. Your first step in overcoming debt problems is recognizing you have a problem! If worries about your credit card bills or a pending foreclosure are keeping you awake at night, you probably already know you’re in […]
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Creditors are harassing me!

Q: Creditors are harassing me – but I lost my job, and cannot pay. How do I stop them calling? A: If you cannot pay your bills, creditors will take steps to collect. That’s natural, but continued harassment can be […]
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The Real Estate Market is Looking Good! But You Have Credit Card Obligations…

So you decided to buy a house a few years ago and the market turned. Now, your house is worth less than you owe to the bank, and you are one month behind! Worse still, you have a large amount […]
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Whose debts are they?

Debt collectors are calling. but whose debts are they? Are you personally liable? The extent of your personal liability depends on numerous factors, some of which relate A) the State you live in, B) your current marital status, C) your […]
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WHAT HAPPENS TO MY CAR IF I FILE BANKRUPTCY?

There are several issues to consider in answering this question. The most important point is the value of your car. In most cases, you can protect your car using the allowable bankruptcy code exemptions. An exemption allows you to file […]