Are you struggling with debt problems and have thought about filing for bankruptcy but have questions that you’re afraid to ask? Over the last 12 years, I have counseled and helped thousands of individuals in debt. From what I’ve seen, a lot of people suffer for many years in debt when they could have obtained…
Being in debt can be one of the most stressful situations you will ever face in life. It happens to everyone although you may feel like you’re the only person on the planet going through what you’re going through. But let me assure you that you are not alone in your struggle. The first step…
FOR people who are considering bankruptcy as a way to get out of debt, some questions constantly arise. Am I doing the right thing? What other options are available? If I decide to file bankruptcy, should I file now or do it later? Filing for bankruptcy is a serious decision to make. Unfortunately, a lot…
ARE you worried about your future due to having too much debt? You’ve probably heard the saying, “The failure to plan is a plan to fail”. And yet so many of us don’t realize how we so easily neglect to plan for our financial future. Ask a few people you know what kind of financial…
ONE of my clients told me recently: “My wife and I both work very hard to raise our two children. On some days we work long hours and don’t even get home until late. It doesn’t seem fair. No matter how hard we work, we are flat broke every single month. We don’t even see…
I CAN’T believe this year is almost over. This morning, I saw a lot of my neighbors starting to put up their Christmas lights. It seems like 2016 just started. Where did the time go? For me, it’s going a little too fast these days. It is usually around this time of the year that…
SLEEPLESS nights… Stressed out… Worried about the future.. Always broke no matter how hard they work…Feeling hopeless about their situation. This is what most people are going through when they are considering bankruptcy in order to get out of debt. The word “bankruptcy” often produces negative feelings because some people equate it with failure. They…
SLEEPLESS nights… Stressed out… Worried about the future.. Always broke no matter how hard they work…Feeling hopeless about their situation. This is what most people are going through when they are considering bankruptcy in order to get out of debt. The word “bankruptcy” often produces negative feelings because some people equate it with failure. They…
IF you are doing your best to pay your debts but simply do not have enough income to pay what your creditors are demanding from you, it may just be a matter of time before you face harsh collection actions. One legal option that most people don’t know about is debt consolidation through Chapter 13…
AS we prepare to wrap up another year, I still see a lot of families who are at the end of their financial rope with no place to turn for help with all types of debt problems. Some of them are paralyzed and feel stuck in their situation, unable to move forward and afraid that…
EVERY day, I meet with a lot of people who are sick and tired of being in debt. And yet when I talk to them, I discover that they are unwilling to make the changes needed to get them out of their financial mess. What changes are necessary for your life to get better if…
AS a Bankruptcy Attorney for the last 18 years, I have counseled thousands of individuals with all types of debt problems. A lot of these people often feel tired and hopeless as if there is no end in sight to their money problems. If you or someone you know has ever been in this situation,…
“ The legislative intent of Congress in passing our bankruptcy laws is to allow a fresh start to those honest individuals who have found it impossible to cope with debt problems. Because life is not perfect, Congress realized that a person who needs to recover financially after experiencing serious debt problems should at least be…
HOW much debt is too much? Are you worried that you have accumulated more debt than you can afford to pay back? Are you feeling depressed, frustrated, hopeless or maybe even angry about your situation? What can you do about it at this time or at least stop the situation from getting worse than it…
ONE common misconception people have is that if they file bankruptcy, they will lose everything that they’ve worked hard for. For this reason, a lot of people continue to suffer needlessly in debt when the law provides a solution to their debt problems. Not good. Don’t get me wrong. Bankruptcy is certainly not the answer…
NO one ever likes to talk about bankruptcy. However, it’s simply a fact of life. Things happen. Whether it’s losing your job, going through a divorce, having huge medical bills that you can’t pay – or sometimes simply making poor financial decisions- any of these can lead to bankruptcy. It’s a scary thing to a…
HAVE you ever faced a situation in your life where you needed help so badly but you were just too afraid or embarrassed 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. Over the years I have met a…
DECIDING if bankruptcy is right for you can be one of the most important decisions you’ll ever make in your life. As much as possible, most people try to avoid it, of course. But sometimes, the hole you’ve dug up is too deep that there is no other way out. For example, perhaps you owe…
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…
HAVE your credit card debts become larger than you have ever expected? Are you struggling to even keep up with the minimum payments required every month? If you are in this situation, maybe you’ve wondered about what the legal repercussions might be once you get to the point where you can no longer continue paying…
WHEN people are going through financial difficulty and are unable to pay their bills, their first reaction is often to ignore their debts and avoid contact with creditors. They think that by doing this, somehow the creditors will simply give up and go away. Bad news: This rarely works. Then one day they get a…
IF you’ve made the decision to file bankruptcy in order to get a fresh financial start, here are some things to consider in choosing between Chapter 7 or Chapter 13. Be aware, however, that your income and expenses have a lot to do with which chapter you will be able to file because the courts…
“ The cosigner is fully legally responsible for the entire debt, just as the main borrower is.” IT is not uncommon for banks and other financial institutions to require a cosigner on a credit application. This is especially true when the applicant either has no prior credit history or the credit score is not high…
Like most people, you’ve worked hard and have done your best to pay all your bills on time. But in life, at one time or another, all of us get into a situation where debt can be overwhelming. Money problems can easily overlap into other areas of our lives. Many people feel hopeless and powerless…
Have your credit card debts become so large that you can’t even afford the minimum payments? Or perhaps you’re already behind and your accounts have been turned over to collections? What do you do to get out of this financial mess? If you are in this situation, maybe you’ve wondered about what the legal repercussions…
ARE you worried about your future due to having too much debt? You’ve probably heard the saying, “The failure to plan is a plan to fail”. And yet so many of us don’t realize how we so easily neglect to plan for our financial future. Ask a few people you know what kind of financial…
ARE your debt problems keeping you up at night? Stressed out and worried about your financial future? According to a recent article written by a doctor, this can affect your health, leading to stress-related illnesses. This may seem like a stretch, even funny at first, but this is no joke and I’ll tell you why…
IRS problems have a way of ruining all aspects of your life. They can take a toll on you financially, emotionally and physically. When you owe the IRS, you’re always wondering if today might be the day when the IRS shows up at work, your home or your business; or if today might be the…
IN spite of the negative things that you may have heard about it, bankruptcy relief still remains to be the best option to many individuals who need help in recovering financially. There is nothing “illegal” or “criminal” about filing for bankruptcy. As a matter of fact, obtaining relief from debt under federal law is an…
IF you are delinquent on your debts, you may be able to avoid dealing with the bill collectors for a few months but sooner or later, you will still need to face the reality of your debt problems and do something to protect yourself. For example, creditors will probably wait until you are 60 days…
