ARE you always worried about not having enough money for yourself and your family no matter how hard you work? Do you live paycheck to paycheck with no savings? Is the problem why your income is never enough is the fact that you have gotten yourself in a situation where you are simply drowning in…
ARE you constantly worried about your finances because of debts that you can no longer afford to pay? If you are in more debt that you can repay, you may be overwhelmed and don’t know what to do. If you’ve tried to solve your debt problems on your own but nothing has worked up to…
WHEN people are going through financial difficulty and are unable to pay their bills, their first reaction is often to ignore their debts and avoid contact with creditors. They think that by doing this, somehow the creditors will simply give up and go away. Bad news: This rarely works. Then one day they get a…
IF you’ve ever found yourself financially broke or buried in debt at one point in your life, I’m sure you still remember how it felt. The feelings of despair and helplessness, the sleepless nights, the endless anxiety about the future- A lot of people will never understand until they have experienced it for themselves. From…
ARE your growing debts starting to worry you and 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 dread getting those credit card statements every month knowing that you don’t have the money to…
LIKE most people, you’ve probably heard that filing for bankruptcy when you are in debt will ruin your credit forever and that you will never be able to buy a car or a home again. Nothing could be further from the truth. Is it actually possible to improve your credit rating by filing for bankruptcy? …
NO matter how the economy does, there are always reasons for people to file bankruptcy. During the period of 2008-2012, more than 1.5 million people filed bankruptcy year after year. This was during the height of the foreclosure crisis. Millions of homeowners were struggling with unaffordable mortgage payments, unemployment and failing businesses. As much as…
THERE are times in life when we’re sometimes caught unprepared for what we have to do in order to deal with an ongoing problem that simply will not go away. The problem is there before you sleep at night and it’s still there when you wake up in the morning. One of these problems might…
ARE you in debt and in a constant state of worrying about your financial situation? Perhaps like most people, you live paycheck to paycheck and are barely surviving but you’ve made the mistake of borrowing more money than you can pay back. You’re not alone. This happens to a lot of people. But worrying and…
IF you’ve accumulated more credit card debt than you can handle, you may get this sick feeling in your stomach not knowing what to do about it. As a bankruptcy attorney, I find that this type of debt is the number one cause of financial problems that could lead to bankruptcy. Not because you’re making…
ARE you seriously in debt and don’t know what to do? Individuals who have accumulated excessive debt are often left to ponder whether bankruptcy is their only realistic way to get out of debt. However, they hesitate to do so because of all the negative things they’ve heard about bankruptcy. Sometimes, these people feel that…
I WAS in line at the grocery store the other day and noticed the man in front of me smiling and looking at me as if he wanted to say something. I only had a couple of items in my hands so he proceeded and asked: “Do you want to go ahead of me?” I…
ARE you debts growing faster than your income every month? Trying to pay what you can but feel like you’re running on a treadmill and not getting anywhere? Do you have that sick feeling in your stomach after realizing that you have gotten yourself in more debt than you can actually pay back? If it’s…
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…
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 means that most of what you are paying goes to interest alone and you may be stuck in debt for the rest of your life.” WHEN people think of bankruptcy, oftentimes they think of the worst thing that could happen to them- losing their home, cars and other assets that they have. The…
ARE you seriously in debt and don’t know what to do? Individuals who have accumulated excessive debt are often left to ponder whether bankruptcy is their only realistic way to get out of debt. However, they hesitate to do so because of all the negative things they’ve heard about bankruptcy. Sometimes, these people feel that…
ARE you in debt and are starting to feel very frustrated with your situation? Do you find yourself always worried and stressed because you don’t have enough money to pay all your bills? Has the idea of filing bankruptcy crossed your mind but you just don’t know enough about it to know whether or not…
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…
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…
“ One thing that may help you determine if you still have debts in active collection status is by looking at the most recent copy of your credit report and reviewing it for accuracy.” DO you have old debts in the past that you haven’t paid and are wondering if the creditors can still come…
I KNOW we’ve never met but if you are facing serious debt problems, I know there’s a common concern that people share when they are in your situation. As a debt relief attorney, I hear it from people who consult with me every day. It is this: The possibility of losing what they have worked…
A LOT of people who consult with me about their debt problems are going through the worst time of their lives. Unlike other problems in life that sometimes just go away on their own, debt problems will only get worse unless you do something about them. While dealing with debt and coming up with a…
WITH credit card debt approaching $1 trillion according to the Federal Reserve, there is no doubt that thousands and thousands of families who can’t pay their credit card debts are struggling financially. The average family now carries a balance of a little more than $16,000. I see people all the time who owe 2-5 times…
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”….
“While bankruptcy is not for everyone, millions upon millions of people who have no way of getting out of debt have found it to be the BEST thing that they ever did in their lives!” ONE of the common questions that I’m asked by people consulting with me about their debt problems is: “How will filing…
I’VE seen a rise in the number of cases with payday loans and they are becoming a common issue in bankruptcy filings. What happens to payday loans in bankruptcy? Payday loans are unsecured loans with outrageous interest rates (sometimes more than 1000% APR!!!). If you can’t pay them off quickly, they can be a huge…
IT’S the day before Thanksgiving and I’m here in my office still working on cases. The freeways are crazy today and everyone’s trying to get somewhere to be home with loved ones. Most days, I feel like there is not enough time to do everything I want to do. At the end of a busy…
IF you are one of the millions of homeowners who survived the mortgage crisis in 2008, you have something to be grateful for. In 2008 alone, close to 900,000 homeowners were in foreclosure. This went on for several years until about 2011 and 2012. Hundreds of thousands lost their homes. Dreams were shattered. Banks were…
MOST people who are struggling with debt problems for the first time are often confused and don’t know what to do. They’ve never been in this situation before. They have always paid their bills on time. For the first time in their life, they are finding it difficult to fulfill their debt obligations. Bill collectors…
