Are you facing a mountain of debt and don’t know what to do in order to avoid getting buried? Debt problems can wreak havoc on your personal life in many ways. And left unsolved, they can spill over into other areas of your life, causing problems not only at home but maybe even at work…

EVERY day, I meet with couples who are deeply in debt. In a lot of cases, I can feel the stress level that they are experiencing while the couple is in my office. Emotions often run high and you can feel the tension in the air. There can be a lot of finger-pointing, resentment, anger,…

IF you are facing the prospect of filing bankruptcy for the first time in your life, this could be a frightening process. You probably have a thousand questions going through your mind as you contemplate your next move. Is bankruptcy the right thing to do or will it make my situation worse?  Will I lose…

THIS week, the truth of this statement struck a chord with a prospective client who came to me for debt help. Keep reading as this may be the most important article you’ve ever read. Prospective client is seriously in debt, something in the neighborhood of $80,000, mostly credit cards. She is a single mother with…

CREDIT cards can be convenient and handy especially in times of financial emergencies but when the accumulated debt gets out of control, it can lead to long-term financial stress. Some people seem to be OK just making minimum payments for a while but unless they stop borrowing, they get to a point where the payments…

ARE you being harassed by your creditors day and night due to unpaid bills? If you are, you know that this is a pretty unpleasant experience. You may feel scared, angry or embarrassed about your situation. The prospect of debt relief through bankruptcy may sound appealing to you but you are not quite sure if…

I HEAR this all the time. People who are in debt are barely making it by living paycheck to paycheck so how can they even think about saving for the future?  Are you in this situation right now? If so, you need to do something about it or you will never be able to get…

IF you are struggling with debt problems and are starting to feel hopeless about your situation because you are not getting anywhere in spite of your efforts, at what point do you consider filing bankruptcy as an option?  Bankruptcy scares a lot of people and that’s understandable because  everything they’ve heard about it from friends,…

ARE you facing insurmountable debt problems? Are creditors threatening you with lawsuits, judgments or a wage garnishment? Are you afraid of losing what little you have and wonder how you are going to survive if you can’t even pay for life’s basic necessities like rent, mortgage, food, transportation, etc., let alone pay your bills? Making…

I KNOW we’ve never met. But there’s a common fear everyone shares when they’re in drowning in debt. As a debt relief attorney, I hear it from people who consult with me every day.  It is this: The possibility of losing what they’ve worked hard for all their lives…their homes, their savings, their retirement money,…

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…

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…

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…

Life is all about making choices. The choices we make today determine our future. What will my life be like 3, 5 or 10 years for now? Will I be financially secure? Will I remain in the same dead-end job or perhaps move somewhere else that makes my time more worthwhile? Will I be able…

The last few years have been financially difficult for a lot of people. When the real estate marked crashed a few years ago, millions of people found themselves with a mortgage they could not afford. A lot of people simply walked away from their homes out of desperation in some cases, they were forced out…

BANKRUPTCY is a bad word every business owner is working hard to avoid. And, yet, it’s also a tool given to entrepreneurs as an encouragement to take risks and be able to have a fresh start when things don’t work out. The last few years have been tough for a lot of small business owners….

ARE you sick and tired of being in debt and having bad credit? Do you want to start over but simply don’t know where to begin? Is filing bankruptcy an option for you or are other options available? As we go past the middle of this year, this is a good time to look at…

IN 1912, the sinking of the mighty ship called the “Titanic” sent 1,516 people to a watery grave. The “Titanic”, first thought to be unsinkable, sank to the bottom of the ocean.  Everyone was shocked because no one thought that this was possible. Could this tragedy have been avoided? The answer is YES. It was…

A CLIENT of mine said he never saw it coming. Everything he ever wanted in life, he always purchased on credit. The “pre-approved” credit cards just kept coming in the mail and he never said NO to any of them. Buy now and pay later, why not? As long as they allow you to pay…

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…

THE last few years have been financially difficult for a lot of people. When the real estate marked crashed a few years ago, millions of people found themselves with a mortgage they could not afford. A lot of people simply walked away from their homes out of desperation in some cases, they were forced out…

THIS is a common scenario. You’re in debt and you know that you need to do something about it because your financial situation continues to get worse month after month. You keep hoping that things will turn around for the better but things are not improving. As a matter of fact, they’re getting worse because…

NO one ever wants face a debt crisis but at one time or another in your life, you may have to deal with one.  Having debt problems does not make you a bad person although some people feel a sense of guilt as they feel responsible for the decision that they have made that led…

AS we go through life, we are likely to encounter several bumps along the way. This is especially true when it comes to our finances. I’m sure you’ve heard of people who have had overnight successes. But sometimes just as quickly, the financial responsibilities that often come with the success can quickly overwhelm the unprepared. …

ARE your finances stressing you out? For a lot of people, financial concerns can be their number one cause of stress. We are living in difficult financial times and a lot of people are worried about how they can get by from month to month. But worrying doesn’t really solve anything. If you feel that…

IF you’re like most people, making money and thinking about money takes up a significant amount of your time. In the world that we live in, money is an important issue in our lives.  Having enough of it gives us peace of mind knowing that we can provide for our families.  On the other hand,…

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…

AS a Bankruptcy Attorney, I have counseled thousands of individuals with all types of debt problems. I often encourage people by telling them that it is not too late to get a fresh financial start and that the law is on their side.  Bankruptcy is not the end of everything you’ve worked hard for.  It…

WHEN debts spiral out of control, bankruptcy can become an invaluable financial recovery tool in stemming the tide and getting you back on the right track. Without the “fresh start” that bankruptcy provides, it would be impossible for a lot of people to ever pay back what they owe and they will simply remain stuck…

IF you are in debt and are seriously considering bankruptcy as an option, I am sure a lot of thoughts are going through your mind. I just want to get out of debt and start over but how quickly can I recover from bankruptcy? What are the different types of bankruptcy available? How do I…