TOO much debt becomes an enormous emotional problem for the debtor. I am reminded of my client 20 years ago who killed himself by shooting himself in the chest. By…

PEOPLE with debts problems are worried sick about their debts. Almost daily, clients tell me that they cannot sleep and very worried about their debts. They have long faces and…

In America, it doesn’t matter who you are, what your race is, what your religion is, you can succeed. You study, you work, you build up business and you live…

(Part 2) LAST week, we talked about the tower of Babel which is located 30 miles from the modern city of Baghdad in Iraq. We destroyed the tower with cruise…

PREVIOUSLY, we talked about Noah who was instructed by God, my God, the God of Moses and Israel, who sent His only and beloved Son Jesus Christ, to us and…

YOUR father’s last will and testament gives you his IRA of $180,000. He died yesterday. Next week you file for Chapter 7 bankruptcy relief because your credit card debt of…

GOLIATH was a Philistine giant who was 9 feet tall. The Philistine army had gathered for war against Israel. The two armies faced each other. Israel’s army was led by…

THE situation we envision in this discussion is where you have an offer in compromise which has been accepted by the IRS then you file for bankruptcy relief. Do you…

(Part 3) We ended last week with God, my God, the God of Moses and Israel, who sent His only Son, Jesus Christ to this world, and through the Blessed…

MOST people have heard of Noah and his ark. But why did God, the God of Moses and Israel, my God, whose only Son Jesus Christ, willingly became incarnate through…

LAST week, we talked about the destruction of the cities of Sodom & Gomorrah by burning sulfur that rained from the heavens. If you go to Israel today, it is…

CLIENTS think that their debt problems are so serious. But debt problems can be solved with a bankruptcy fresh start Chapter 7 discharge of all debts while debtor is allowed…

“ The LORD said to Hosea, “Go, take to yourself a wife of harlotry and have children of harlotry; for the land commits flagrant harlotry, forsaking the LORD.” IF YOU…

(Part 2) LAST week, I said that if you have debt problems, think of Samson. We ended last week with Samson having wrecked havoc on the Philistines by killing a…

(Part 1) IF YOU have debt problems, think of Samson. Samson lived in Israel about 1200 B.C. Before he was born, the Israelites betrayed the one true God again by…

IF YOU have debt problems, think of seven loaves of bread and two fish. A crowd of 5,000 men, their wives and children, making the crowd about 15,000 to 20,000,…

LAST week we talked about King David and his lust for Bathsheba. As punishment for King David’s sins of coveting Bathsheba who was Uriah’s wife and murdering Uriah so he…

SOMETIMES you wonder why you acquire so much debt without really thinking about it. Client makes $20,000 a month which is high income. When his home increased in value in…

WHAT are the 4 questions in ‘Passover Seder”? Passover Seder is a ritual feast held in the homes of Jewish people as part of the Passover celebration. They celebrate this…

PEOPLE with heavy debt think that they have serious problems in life that are almost unbearable. “Attorney, we can’t sleep because our creditors are hounding us day and night! They…

DEBTS are a big headache for many people. In my last article, I suggested that if you had problems with debt you should rely on Psalm 23 for comfort. It…

“  As already explained, there is no question that the debtor subjectively intended to cause injury to INB’s interest in the residence. The debtor admitted to being involved in removing…

SUFFERING is part of the human condition. Adam and Eve introduced pain and suffering to mankind when they ate of the forbidden fruit. Adam blamed Eve for convincing him to…

SOMETIMES parents put their children’s names on title to their residence even if the parents intend to keep the residence as their own as they continue to pay all expenses…

MANY clients tell me that they cannot sleep and suffering much because their creditors are hounding them day and night. The IRS has garnished their wages. They are being sued…

LAST Sunday was Easter Sunday celebrated by Christians all over the world as the greatest event in human history. This is the day when Jesus Christ, who died three days…

THE situation we envision in this discussion is where you have an offer in compromise which has been accepted by the IRS then you file for bankruptcy relief. Do you…

DEBTOR walks away from his residence because it is under water with no equity whatsoever then files for Chapter 7 relief. The house is worth $300,000 but the mortgage owed…

LAST week, we established the fact that back due income taxes can be discharged in bankruptcy, despite the popular belief that this was not possible. We said that there are…

MANY people have the mistaken belief that back due income taxes cannot be discharged in bankruptcy because a debt owed to the Federal and State government cannot be wiped out….