I often get asked whether filing for bankruptcy can be avoided in finding a solution to debt problems.  I usually tell people that filing for bankruptcy should be a last…

Filing Chapter 13 bankruptcy is often a last resort for people in foreclosure when no other options exist. A lot of homeowners usually put off making this decision for a…

A lot of people end up filing bankruptcy when they get to the point of feeling hopeless about their financial problems. Despite what others may think, there is no shame…

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…

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…

Not all debts are bad debts.  While it is true that too much of any debt may be detrimental to your financial health, it doesn’t mean that all debt is…

Do you intend to pay your creditors every month but just can’t do it no matter how hard you try because your income is simply not enough?  There is a…

Most of my clients know that they should pay attention to their finances, especially debt problems that won’t just go away. They know they need to get help and that…

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…

Are your growing debts starting to cause you sleepless nights?  Are you trying hard to pay what you can every month but feel like you’re just running on a treadmill…

The decision to file bankruptcy is not an easy one but sometimes it’s the decision that could change your life for the better. When you are seriously in debt and…

Are you struggling with debt problems?  Are you doing your best to pay but simply can’t?  Have you thought of filing bankruptcy but are afraid that this might not be…

MAKING the decision to file bankruptcy can be a painstaking process that most people put off until they realize that they have no other way out of debt. Unfortunately, however,…

Eight years ago, Congress passed new federal laws that made it tougher to file personal bankruptcy. This happened at a time when thousands of families were living in financial distress…

With the proliferation of credit cards in our society, it’s not difficult for credit card debts to get out of hand.  Once you’re caught in the credit card debt trap,…

Almost every week, my office gets phone calls from people in debt who have been taken advantage of by so-called “debt settlement companies”.  These are the companies who advertise on…

You have probably heard a lot of ‘negative things’ about bankruptcy- how it may be the worst mistake you could ever make, that you will never be able to get…

LIFE just happens. Sometimes even the best laid plans can go wrong. How do you respond when this happens to you?  Do you easily give up when you’re overwhelmed?  Remaining…

You already know that your home is in foreclosure. You’ve received the dreaded Notice of Default.  You know that after 90 days, your lender could schedule a Trustee Sale for…

“I can’t believe this is happening to me. Life’s not fair. I haven’t done anything bad. Why do I feel like I’m being punished for something I didn’t do?” These…

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…

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…

LIKE most people, you’ve probably heard a lot of negative things about bankruptcy and that how filing could be the worst mistake you’ll ever make in your life. And like…

CHAPTER 13 is the section of the US Bankruptcy Code that allows individuals in the United States to reorganize their finances.  If you are having difficulty paying your debts (credit…

 You need to be aware that if foreclosing proceedings have begun and your application has been denied, you may not have enough time to submit a new application andre-apply especially…

DO you dream of simplifying your life, reducing your stress and regaining control of your financial future? Everyone dreams of living a debt-free life and yet we know that today,…

ACCORDING to a recent study, a majority of people in this country are living way beyond their means.  In keeping up with the Jones’s, these people have resorted to using…

IT IS not difficult to get into credit card debt. If you are used to buying things on credit, perhaps you don’t even realize how much your borrowing is really…

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…

STATISTICS show that approximately 1.5 million people file bankruptcy in the United States every year. There are different reasons for filing- unemployment, foreclosure, medical bills, overwhelming credit card debts, etc. …