IF you are struggling with debt problems, you may feel depressed and alone. It may seem like the end of the world.  Your self-esteem may have suffered. You may feel angry, depressed, guilty- or a combination of all three.  You may consider yourself a failure, perhaps feeling angry with yourself for certain decisions you have…

“ No matter how hard these people work, there is never enough money to go around. In some cases, they barrow even more in order to pay other creditors and thus perpetuating this vicious borrowing cycle with no end in sight.” ONE of my clients told me: “My wife and I both work very hard to raise our two…

DO you want to simplify your life, reduce stress and regain control over your financial future? If you are one of the millions of people in this country who are drowning in debt, maybe you are feeling a sense of urgency and desperation about your situation but don’t know what to do. A lot of…

DECIDING if bankruptcy is right for you is not always easy. But sometimes, the hole you’ve dug up is too deep that there is no other way out. Bill collectors are harassing you. Maybe they’re already threatening to take you to court, garnish your wages and take everything you’ve got. Maybe you can’t even sleep…

IF you are searching for debt reduction solutions, no doubt you’ve been inundated with advertisements for various debt management programs, companies and solutions. The choices seem confusing to the average consumer. The truth is that every situation is different and what may work perfectly for others is not necessarily going to work the same way…

INDIVIDUALS who have accumulated excessive debt are often left to ponder whether they should file bankruptcy in order to get out of debt.  Sometimes, these people feel that somehow, they’ve lost, failed, or that they will never have a chance to rebuild their credit again. Because we are living in a society where having a…

DO you have debt problems that you don’t know how to handle? Are you considering filing for bankruptcy but are afraid that it will only make your situation worse?  Have you recently been sued by creditors and are afraid of what they might do next? If you are struggling with debt problems and are starting…

DO you have old debts in the past that you haven’t paid and are wondering if the creditors can still come back now and collect from you after so many years? This is a common question that I am often asked. I actually see a lot of people in this situation.  At some time in…

WHEN your financial circumstances are forcing you to declare bankruptcy, it is one way of dealing with debts that you can no longer manage on your own.  Of course, the decision should not be taken lightly and it is best to consult with an experienced bankruptcy attorney to see if it is best for your…

IF you’ve ever been in a situation in your life where you had to file bankruptcy as a last resort in order to get out of debt, you know exactly what I am talking about. After having counseled thousands of people with debt problems over the years, I have learned that unresolved debt problems can…

ARE you in debt and in a constant state of worrying about your financial situation? Perhaps like most people you live paycheck to paycheck and are barely surviving but you’ve made the mistake of borrowing more money than you can pay back. You’re not alone. This happens to a lot of people. But worrying and…

A LOT of people in debt are in denial about their situation so they go about their lives pretending that everything is OK- until one day they find themselves in a financial emergency. Most debt problems don’t go away on their own, especially if the creditor is able to file a lawsuit, obtain a judgment…

IF you’ve ever found yourself financially broke or buried in debt at one point in your life, I’m sure you still remember how it felt. The feelings of despair and helplessness, the sleepless nights, the endless anxiety about the future- A lot of people will never understand until they have experienced it for themselves. From…

HAVE you ever faced a situation in your life where you needed help so badly but you were just too afraid to ask for it?  Perhaps you felt confused and overwhelmed with the problem that you spent sleepless nights trying to figure out what to do.  Or maybe you were afraid of being judged, I…

YOUR credit card payments are past due. You’re confused and don’t know what to do. The bill collectors are calling you non-stop and writing you threatening letters. What do you do? Should you just file bankruptcy? Or are there other options? Most people are unaware that credit card companies will negotiate with you if they…

“ Let me get one thing straight, just because you can pay your minimum monthly payments each month doesn’t necessarily mean that you do not have a debt problem” WHILE credit can be a great asset when used wisely, a lot of people tend to misuse it and they acquire more debts than they could…

HAVE you heard the story of a poor, old beggar who died one day- and to everyone’s amazement, a money belt found wrapped around his waist contained thousands of dollars in cash? Apparently, he had found the money belt one day while rummaging through trash. He decided to keep it but never realized that it…

WE’VE all been there. Those moments when almost anything that could go wrong DOES go wrong in our finances. As human beings, we all want to be safe and secure but life doesn’t provide any assurances. Perhaps you are going through financial and debt problems through no fault of your own. Whether self-caused or caused…

ARE you seriously in debt and don’t know what to do about your situation? Are you afraid that unless you do something about it, thing will just continue to get worse every day? When people are going through financial difficulty and are unable to pay their bills, their first reaction is often to ignore their…

IS the government after you for huge unpaid taxes that you cannot afford to pay?  Do you get sick to your stomach not knowing what the government will do next to collect what you owe? Most people think they have no recourse when it comes to dealing with the Internal Revenue Service. This is absolutely…

ARE your debts keeping you up at night? Are you always worried about money? Are you barely surviving and can’t even keep up with minimum payments on your credit cards? Do you wish to reduce or eliminate your debts but don’t even know where to start? If you are searching for debt reduction solutions, you…

WARNING: Excessive credit card debt can lead to financial disaster and can affect your financial well-being. The reason they call it “credit card debt trap” is because once you’re in, it may be difficult or impossible to get out. It is actually the number one reason people end up filing bankruptcy when they have no…

IF you are in debt and don’t have enough to pay your debts each month after taking care of living expenses, you may be tempted to borrow money from credit cards to pay your other debts.  At first blush, it may seem like a “brilliant” idea.  Don’t do it. If you do, you are playing…

MOST people don’t talk about their credit card debt because they find it embarrassing. They can talk to their friends and family about everything else but when it comes to the subject of how much debt they are carrying, most people would not divulge any information. It makes them very uncomfortable. So what happens is…

YOU want to help your children go to college and if you’re like most parents, you would do anything to help them get a good education. At some point, you may be asked to co-sign your child student’s loans. That may be fine but my question is: Do you really understand what you are getting…

IF you’ve accumulated a lot of debt and something has happened in your life that’s made it difficult to pay your bills, you are not alone.  After almost 18 years of practice as a debt relief attorney, I know that bad things can happen to good, honest and decent people. If you are going through…

MAYBE you’ve experienced this before: You’re driving down the road one cold, chilly day and before you know it, you find yourself surrounded by a thick white wall of dense fog. How did you react?  If you’re like most people, perhaps you felt momentarily lost and confused or perhaps even panicked, not knowing what was…

ONE thing certain about debt problems is that most of them don’t just go away by themselves. They’re there when you go to bed at night and they’re still there when you get up in the morning. It’s almost impossible to have peace of mind when you’re in debt because you are constantly worrying about…

IF you are experiencing debt problems, you may find it difficult to talk to other people about it to the point that you are not getting the help that you need to find a solution. I understand. Debt is a very personal matter so most people don’t feel comfortable discussing it with anyone.  So they…

You’ve probably seen a lot of these ads: “Settle your debts for pennies on the dollar!”, “Reduce your debts legally without filing bankruptcy!” “Stop bill collectors now and pay them only what you can!”   Are all these just exaggerated claims? Or are any of these ads true? How can you protect yourself from being…