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 into a situation where debt can be overwhelming. Money problems can easily overlap into other areas of our lives. Many people feel hopeless and powerless…
THE word “bankruptcy” is packed with all sorts of negative emotional triggers. It sounds bad — even dirty. It’s embarrassing. (What if people find out?!) People paint ugly pictures of what their lives will look like post-bankruptcy. But it’s not true. Bankruptcy is an opportunity to close one chapter of your life and open a…
Downloading videos is easy when you see a download button. Unfortunately, most video sharing sites obviously don’t allow downloads, usually to protect copyrights or because there’s not a large demand to download their videos. But there are tools and tricks you can use to download videos even when there isn’t a download button. Maybe you…
People with overwhelming debt problems during this difficult time are asking a lot of questions. Are you scared of being sued and having creditors getting judgments against you and garnishing your wages and levying your bank account? What would happen to your home or business if you fall behind on your debt obligations and are…
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 will only rush to act when they face an immediate…
THE coronavirus has put a lot of strain on people’s ability to pay their debts. With a lot of employees getting laid off in massive numbers, they are staying at home to keep themselves and their families safe. In the meantime, however, the bills still continue and without any income, it is becoming increasingly difficult…
A LOT of people who are burdened with credit card debt often don’t know where to turn for help. They see all the ads on TV, internet, etc. by so-called “debt consolidation” or “debt settlement” companies hoping that this will get them out of debt without filing for bankruptcy. More often than not, however, they…
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…
FIVE of the country’s largest banks announced recently that they have agreed to temporarily suspend mortgage payments for homeowners affected by the virus. California has indeed suffered an unexpected economic devastation from the virus with more than 1 million Californians applying for unemployment benefits since March 13. So far, Wells Fargo, U.S. Bank, Citi, JP…
THE dangerous coronavirus has brought the economy to a screeching halt. With no work and no paychecks, millions of homeowners are now wondering how they’re going to be able to keep their homes. It’s beginning to feel like 2008 all over again. If there’s any comfort in all this madness, everyone is in the same…
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 will only rush to act when they face an immediate…
A LOT of people who are contemplating bankruptcy as a solution to their debt problems often wonder if it can be avoided at all. They fear that they might be making the biggest mistake of their lives. If you are struggling with debt problems and are starting to feel hopeless about your situation because you…
FILING Bankruptcy is a serious decision for most people. Although almost a million people file Bankruptcy in every year, most don’t have a clue about how the process works until they actually consult with an attorney. Confusion often results from hearing conflicting personal opinions from people they know. Sad to say, well-meaning friends and family…
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…
IF financial start. Bankruptcy is a powerful remedy because it stops most collection actions, including lawsuits, wage garnishments, bank levies and foreclosure. It also wipes out many types of debts. Most people who file bankruptcy have credit card debts, personal loans, medical bills, back mortgage payments, medical bills, to name a few. While most debts…
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…
ACCORDING to a new report, the number of seniors filing bankruptcy is increasing rapidly. The average senior who files bankruptcy these days owes approximately $17,390 according to the report (Although I have to say that most seniors who come to me for debt help actually owe a lot more!). Some of the reasons mentioned are…
“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 my bankruptcy practice. In spite of what the “experts” say about the current economy, I still see a lot of families who don’t even make…
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 order to get out of debt. The word “bankruptcy” often produces negative feelings because some people equate it with failure. They…
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 credit cards to buy things that they normally can’t afford with their income. They buy everything with the plastic cards they keep in their wallets. …
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 credit cards to buy things that they normally can’t afford with their income. They buy everything with the plastic cards they keep in their wallets. …
IF you care about how you are going to live your life 10, 20 or more years from now, this article is for you. The future is something we don’t want to think about at times. To some, it’s pretty scary. But one thing is for certain. Time flies. Weeks easily turn into months and…
ARE you overwhelmed with debt problems that seem insurmountable? Are you starting to feel hopeless about your financial future and thinking you’ll never get ahead? You may be at a critical point in your life where the decisions you make at this very moment will determine the kind of life you will have in the…
ARE you worried about not being able to take care of your family’s needs because of your debt problems? No one ever wants to be in this situation but I see it every day in my work as a bankruptcy attorney. When you are overwhelmed with debt problems, the situation becomes even more challenging when…
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 will only rush to act when they face an immediate…
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 of all three. You may even be blaming yourself for making the decisions that led you to your present situation. I’m here to tell 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 of all three. You may even be blaming yourself for making the decisions that led you to your present situation. I’m here to tell you,…
“The law says that bankruptcy is nothing more than a fresh financial start when you are no longer in a position to help yourself.” A LOT of people who are contemplating bankruptcy as a solution to their debt problems often wonder if it can be avoided at all. They fear that they might be making…
ARE you currently struggling with debt problems and don’t know what to do? To most people, finding themselves in that situation is pretty scary. They constantly worry about their finances and wonder whether they will ever be able to get out of the financial mess that is causing them a lot of stress. But what…
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 and not getting anywhere? Do you worry about your finances all the time and never have enough no matter how hard you work? If it’s…
