ARE you struggling to pay your debts every month, especially your credit cards? Do you barely have anything left to pay your mortgage, rent, food and other basic living expenses after you make your monthly debt payments? Do you want to lower your payments and make life a bit easier? One type of relief under…
WHEN the virus makes your income disappear overnight, it can be very frightening to realize that you can’t go very long without it because your bills don’t stop just because your income did. No one ever wants to file bankruptcy. But if you are one of the millions laid off and don’t even know whether…
WHEN it comes to credit card debt, a lot of people are in denial that they have a problem. Of course, denying doesn’t help because until you get to that point where you can honestly admit to yourself and acknowledge that a problem does exist, you will never do anything to change your situation. Thus,…
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…
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…
Most debt problems don’t go away and solve themselves. They are there when you go to bed at night, and they’re still there when you get up in the morning. They can cause a lot of ulcers, sleepless nights, stress, and even physical sickness. As a bankruptcy attorney for the last 22 years, I have…
NO one ever wants to 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…
MOST debt problems don’t go away and solve themselves. They are there when you go to bed at night, and they’re still there when you get up in the morning. They can cause a lot of ulcers, sleepless nights, stress and even physical sickness. As a bankruptcy attorney for the last 22 years, I have…
IF you are delinquent on your debts, you may be able to avoid dealing with the bill collectors for a few months but sooner or later, you will still need to face the reality of your debt problems and do something to protect yourself. For example, creditors will probably wait until you are 60 days…
YOU may not like what I have to say in this article. But oftentimes, the truth hurts. But if you find yourself broke every payday because of too much debt, you may find the information here helpful to change your life for the better. Did you know that more than 90% of the population lives…
WHEN debts spiral out of control, bankruptcy can become an invaluable financial recovery tool in getting you back on the right track. While it’s not for everyone, close to a million people every year find it to be their only hope of getting a fresh financial start. Debt problems can be the result of unemployment,…
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? These days, you are constantly bombarded with advertising from companies and other professionals offering you their “solution”….
A LOT of people in debt often already know what they need to do once they realize that bankruptcy is their only way out. But they usually delay the decision to file because they try their best to avoid it if at all possible, and they will only rush to act when they face an…
Filing bankruptcy can be a big decision that most people put off until they realize that they have no other way out of debt. Unfortunately, however, sometimes people wait too long. When they finally do make the decision to file, they soon realize that they would actually have been better off if they had just…
DO you have sleepless nights worrying about your credit card debts? Are you feeling hopelessly trapped with no way out? If you are up to your eyeballs in credit card debt and have no way of paying back what you had borrowed, a lot of things may be going through your mind at the moment….
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 a new life but how quickly can I recover from bankruptcy? What are the different types of bankruptcy available? How…
BEING in debt and doing nothing about it can have more serious consequences than you think. First of all, it can impact your financial future. Uncontrolled debt can deprive you the opportunity to put money aside for emergencies, save money for a home or college for your children, or perhaps for retirement. Every day I…
FACING difficult financial times can be a frightening thing for a lot of people. When bill collectors are hounding you, at some point, you realize that something must be done but you just don’t know where to begin or where to go for help. Often, options can also be confusing unless you get the right…
THIS is one thing I hear from people all the time: “If you ask me, I really hate doing this, but I feel I have no choice.” Of course, no one ever wakes up one morning and decide to just file bankruptcy without seriously thinking it over. Usually, people spend a lot of time going…
YOUR credit card payments are past due. You’re confused and don’t know what to do. The bill collectors are calling you non-stop and writing you threatening letters. What do you do? Should you just file bankruptcy? Or are there other options? Most people are unaware that credit card companies will negotiate with you if they…
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 cards, medical bills, personal loans, taxes, late mortgage payments and property taxes- all kinds of debts) due to insufficient income, there is hope for you….
ARE you seriously in debt and don’t know what to do about your situation? Are you afraid that unless you do something about it, thing will just continue to get worse every day? When people are going through financial difficulty and are unable to pay their bills, their first reaction is often to ignore their…
WE are facing challenging times brought about by the coronavirus. Since March of last year, millions of people have lost their jobs. A lot of business owners have been forced to shut down. Surprisingly, bankruptcy filings have been down with so many people still waiting to see what happens in the next several months. Unfortunately,…
YOU may not like what I have to say in this article. But oftentimes, the truth hurts. But if you find yourself broke every payday because of too much debt, you may find the information here helpful to change your life for the better. Did you know that more than 90% of the population lives…
THIS is one thing I hear from people all the time: “If you ask me, I really hate doing this, but I feel I have no choice.” Of course, no one ever wakes up one morning and decide to just file bankruptcy without seriously thinking it over. Usually, people spend a lot of time going…
You’re doing fine. You’re paying your bills on time and you have your debts under control. You’ve even managed to set aside a bit of savings in your bank account. You’re happy and life is good- at least for a moment. Then one day you find yourself in a big financial mess. You’ve used up…
Sleepless nights… Stressed out… Worried about the future… Always broke no matter how hard they work…Feeling hopeless about their situation. This is what most people are going through when they are considering bankruptcy in their desperate attempt to get out of debt. The word “bankruptcy” often produces negative feelings because some people equate it with…
HAS your income been affected by the COVID-19 pandemic? If you are currently unemployed and have no resources to pay creditors, filing for Chapter 7 bankruptcy to wipe out your debts and start fresh may be the clear and only option. To file Chapter 7, you generally need to be able to show zero disposable…
ARE you seriously in debt and don’t know what to do about your situation? Are you afraid that unless you do something about it, thing will just continue to get worse every day? When people are going through financial difficulty and are unable to pay their bills, their first reaction is often to ignore their…
Filing bankruptcy can be a big decision that most people put off until they realize that they have no other way out of debt. Unfortunately, however, sometimes people wait too long. When they finally do make the decision to file, they soon realize that they would actually have been better off if they had just…
