“Federal and state collection laws prohibit abusive collection tactics but the reality is that a lot of bill collectors do not follow these laws and will make your life miserable…

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…

“ When you are overwhelmed with debt problems, the situation becomes even more challenging when you have a family that you are supporting. Your paycheck may not even be enough…

THE government announced last week that it was extending the application deadline to apply for relief under MHA (Making Home Affordable Program) but only through December 31, 2015. Thus, for…

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…

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…

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…

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…

YOUR debt problems may be undeniable. You know they are there and they will not go away until you do something about them.  Perhaps at some point, you took the…

Are you currently overwhelmed with debt problems that you can no longer handle on your own? Thinking about filing for bankruptcy but are afraid to make a decision? Do you…

FACING serious debt problems can be depressing to a lot of people. It may seem like the end of the world. You may feel angry, depressed, guilty- or a combination…

I KNOW that the current economy has caused a lot of financial problems for a lot of people. Most families are struggling financially every month and are living paycheck to…

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…

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…

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…

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,…

YOU already know that your home is in foreclosure.  You’ve received that dreaded Notice of Default.  You know that after 90 days, your home can be scheduled for a Trustee…

ARE your debt problems putting your family’s welfare at risk? No one ever wants to be in this situation but I see it every day in my work as 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…

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…

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. While it’s not for…

We are now living in the worst economy since the Great Depression. With millions of people being unemployed and struggling with foreclosure, debt problems have become common. Of course, debt…

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…

IMAGINE how frustrating this could be. You anxiously waited for months and months for your lender’s response after submitting your loan modification request. After countless hours of frustration on the…

IF you are facing the prospect of filing bankruptcy for the first time in your life, it could be a frightening process. I bet you have a thousand questions going…

FOR about 150,000 homeowners with a second mortgage held by Bank of America, it seemed too good to be true.  In the last couple of months, a lot of my…

“HOW can I pay my creditors when my income is not even enough to cover my basic living expenses?’. This is a question that I hear everyday from people in…

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…

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…

CONTRARY to what others may think, the majority of people who file for bankruptcy are honest, hard working people who simply need to get a fresh financial start.  Because life…