Bankruptcy is not always your fault
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,…
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How to know it’s time to consider bankruptcy
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,…
Don’t let debt ruin your financial future
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…
Bankruptcy: Lose your debts, not your sanity
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…
Old debts from the past have a way of coming back to haunt you
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…
Are your debt problems forcing you into bankruptcy?
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…
Overspending while in debt is a recipe for financial disaster
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…
Can you become debt-free without filing bankruptcy?
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…
Are you looking for a solution to debt problems?
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…
Bankruptcy: When life doesn’t go as planned
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…
Bankruptcy: Your past doesn’t have to be your future
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…
Take control of your finances and your life
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…
Why you need to escape the debt trap
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…
Common fears about bankruptcy are false
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…
Who needs to file bankruptcy?
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…
How to make bankruptcy work to your advantage
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…
Face debt problems now or they can come back to haunt you later
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…