IF YOU have serious debt problems, you may feel depressed and alone. It may seem like the end of the world. Your self-esteem may have suffered. You may feel angry, depressed, guilty- or a combination of all three. You may consider yourself a failure, perhaps feeling angry with yourself for certain decisions you have made…
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…
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’VE ever been in a situation in your life where you had to file bankruptcy as a last resort in order to get out of debt, you know exactly what I am talking about. After having counseled thousands of people with debt problems over the years, I have learned that unresolved debt problems can…
IF YOU are like a lot of people who have old, unpaid debts, collection accounts and judgments from their past that they don’t even remember, you may feel that it is too late to get a fresh start and rebuild your credit. Over the years, I have met a lot of people in this situation….
ARE you having problems paying your debts? Are creditors calling you day and night threatening you with a wage garnishment, repossession or foreclosure? Are you starting to feel hopeless and depressed about your situation and don’t know where to turn for help? The last few years have been tough for a lot of people. You…
AS a bankruptcy attorney and financial recovery counselor, I see a lot of people who are spending way beyond their means. They are always struggling to make ends meet and yet they do not have a clear plan on how to spend their money. In other words, they do not budget. I know most people…
DEBT is a common problem that a lot of people struggle with and many people want to know how thy can become debt-free. Of course, in today’s society, you can’t afford to spend cash on everything and sometimes you have to use a credit card or get a loan. The problem is that when those…
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…
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 calm can be difficult when things are chaotic so the usual reaction is panic. As a bankruptcy attorney, I often see this when people are…
IN MY work as a Bankruptcy Attorney, I usually have the privilege of meeting all kinds of people from all walks of life. Some are poor, some are rich. Some are humble, some are arrogant. There are those who are in a state of denial, never acknowledging responsibility for anything they have ever done or…
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 as many people as you can what kind of financial planning they have done for the next 5-10 years and see…
IF YOU are buried in debt, you may be feeling trapped at the moment with no way out. You realize you need help but don’t know where to go for help. You may even be embarrassed about your situation that you find it uncomfortable to turn to family and friends for help. So you try…
IF you are struggling with serious debt problems and the idea of filing for bankruptcy has crossed your mind, like most people, you may have some “fears” about bankruptcy that you have not been able to discuss with anyone. Usually, these “fears” stem from what we have heard about bankruptcy from co-workers, family or friends. …
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…
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 decision should not be taken lightly and it is best to consult with an experienced bankruptcy attorney to see if it is best for your…
IF YOU are like a lot of people who have old, unpaid debts, collection accounts and judgments from their past that they don’t even remember, you may feel that it is too late to get a fresh start and rebuild your credit. Over the years, I have met a lot of people in this situation. …
