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…

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…

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…

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…

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…

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….

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…

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…

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…

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…

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…

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…

“ 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…

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…

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…

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…

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…

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…

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…

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…

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…

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….

“ 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…

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…

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?…

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…

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…

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…

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…

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…