THE first client is 75. Her husband passed four years ago and left her with $30,000 of credit card debt. She has been making minimum payments on their credit cards…

THERE’S a time to be born and a time to die, a time to plant and a time to harvest. There’s a time for everything.  So states Ecclesiastes 3: “For…

ACCUMULATING debt is the easiest thing you can do in America. Even your dog can get credit cards with a fake social security number. If you are an immigrant and…

THE Japanese created Godzilla a long time ago. It’s a gigantic T-Rex on steroids that destroys Tokyo and the rest of Japan until someone comes to the rescue and kills…

CLIENTS are seniors. Wife is 67 and had just retired from a lifetime of being a registered nurse. She has social security benefits of $2100. Husband is 67 and has…

The clients are 63 and 64. They are young seniors. Up to 65, you are a young senior in my book.  You can get senior discounts at Golden Corral for…

CHAPTER 7 is called the fresh start because it wipes out all dischargeable debt while allowing the debtor to keep most, if not all, of his assets.  Meanwhile, Chapter 13…

LET’S give bankruptcy a historical and legal perspective. Right now, when we say bankruptcy law, we refer to the federal law called the “Bankruptcy Code” of 2005.  Creditors did a…

MANY people who need debt relief are afraid to file for Chapter 7 or Chapter 13 because they fear that life after bankruptcy will be difficult. The fear is that…

THE client is 66. He purchased a business about 10 years ago for $2 million. He put in $500,000 of his own money and borrowed a $1.5 million small business…

THIS client case is unusual. She is young at 28 and owes about $300,000 of credit cards. She used these cards to fund a “gift card” business. What’s a “gift…

THE first client is 48 and has just been sued for $10,000 by American Express. He recently received the summons and complaint.  He is single with one teenager dependent. He…

THE client is a 70-year-old widow who lost her beloved husband five years ago.  She owns a house with a reverse mortgage of half a million, which she took when…

THE client is 60, while his wife is 58. He issued his check to pay rent of $1,200 but the check was dishonored for insufficient funds. The landlord called him…

“The effect of the lowerinterest is to shorten the amount of time it takes to pay off the principal because more principal gets paid with every payment. ” I’VE recently…

HOW do you answer this question? Let’s check what the Bible has to say about debt. The Bible says that one should neither be a lender or borrower. It does…

THE client is 50, divorced, and used to own a business that had a commercial lease for retail space. He operated the business for 10 years. On the 11th year,…

Businessman considers BK  for $400K lawsuit Client is 68 and married. He just received a notice of bank levy on his accounts for a judgment against his wife. He asks…

“The FBI investigates the scam and tells the client they can get their money back if the money is still in the account.” THE first clients are business partners who…

THE first client is 34. She is recently married and now has a one-year-old son. She used to be employed making a gross of $50,000 yearly. At the same time,…

THE client is 48, married and has a good job paying him $100,000 gross a year. A family emergency has caused him some financial hardship because money meant to pay…

THE first client is 48, married, and has a good job that pays $80,000 a year. His wife makes another $40,000 a year. Together, they make $120,000 gross a year. …

“So now I say to you, if you have accumulated debt, take it easy, we can get rid of those burdensome debts that weigh you down every day of your…

CLIENT is 72. He still works his normal job and makes about $3K a month. He also receives social security of $1K. So, his total income right now is $4K….

THE first client is 48 and got married in the last four years. Her husband was a foreigner who professed his love for her in so many ways. Unfortunately, his…

THIS week is Holy Week again. The whole Christian world observes the passion of Jesus Christ. In many countries, the faithful reenact the passion and suffering of Jesus. They wear…

CLIENT no. 1 is 50 years old and is the manager of a big retail store. He’s been working there for 30 years. His spouse got into an accident and…

CLIENT no. 1 is 50 years old and is the manager of a big retail store. He’s been working there for 30 years. His spouse got into an accident and…

Freak accident liability  I want to discuss the client with the freak accident first. The first client is 45. This is really a very unusual case. In fact, I have…

WHEN I say the client is young, I mean she’s in her 20s. She is married and has a toddler son. Before becoming a mother, she was working full-time and…