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…
“Bankruptcy is never a fun thing to do or just an easy way out for people who simply want to run away from their obligations. The fact is that most people want to do the right thing and pay their creditors but their situation has gotten so bad that without bankruptcy, they would simply be…
“A K-1 visa allows a foreign national to come to the United States to marry a United States citizen. The K-1 visa is valid for ninety (90) days after entry to the United States, during which time the marriage must take place. Once the foreign national is issued a K-1 visa, any of his/her unmarried…
“Remember that a debt settlement company cannot legally represent you if you are sued and thus, they cannot protect your legal rights. Also keep in mind that some creditors will flat out inform you that they refuse to work with a debt settlement company and if this happens, that means you leave them no other…
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 overwhelmed with too much debt and don’t know how you can get out? Do you spend at lot of time worrying about your finances and don’t know how you can make it through another month? Are creditors calling you and harassing you for payment? When people are going through financial difficulty and are…
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…
IF you are considering bankruptcy as a last resort to solve your debt problems, it is important for you to have your case evaluated by a professional who can advise you if it is appropriate for your situation. While there are a lot of cases where filing is the only solution, in other cases, there…
“If you own a home and have assets that may be at risk if you were sued by your creditors, it is in your best interest to find out how you can protect what you have from creditors who are trying to collect from you.” A LOTof people who are contemplating bankruptcy as a solution…
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”….
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…
I KNOW we’ve never met. But there’s a common fear that everyone shares when they’re in debt. As a bankruptcy attorney, I hear it from people who consult with me every day. It is this: The possibility of losing what they’ve worked hard for all their lives…their homes, their savings, their retirement money, their business,…
ARE you struggling every month to pay your debts, especially your credit card bills? Are you always worried about not having enough left over for your mortgage, rent, food and other basic living expenses after you make your monthly debt payments? Do you want your credit card payments to be more affordable and manageable? One…
Do you have old debts in the past that you haven’t paid and are wondering if the creditors can still come back now and collect from you after so many years? This is a common question that I am often asked. I actually see a lot of people in this situation. At some time in…
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. Then one day they get a summons delivered to their home…
I WAS counseling someone the other day in my office. He looked shocked and confused as we sorted through all the credit card statements on my desk and added up how much he owed. $65,000! That’s how much the statements said he owed! How could this be? He said he remembered paying a lot of…
BANKRUPTCY sure sounds like a scary word. And most people see it as an admission of financial failure. By declaring bankruptcy, they figure they are hitting rock bottom. But is that really true? If you take a look around at all the people who have experienced bankruptcy, you will discover something rather remarkable: Bankruptcy is…
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…
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…
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…
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…
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…
ACCORDING to statistics, debt problems are one of the leading causes of divorce in this country. When couples have more debt than they can handle, stress and tension easily build up like a pressure cooker. All too often, husbands and wives blame each other for their current situation and hurtful words are exchanged in the…
“If you’ve come to the end of your financial rope and don’t know what else to do, it is time to face your debt problems with dignity and do what your situation calls for.” THE last several years have been financially difficult for a lot of people. When the real estate marked crashed a few…
IT can happen to anybody. At one time or another in life, we may be faced with financial and debt issues that seem impossible to overcome. A lot of people end up filing bankruptcy when they get to the point of feeling hopeless about their financial problems. Despite what others may think, there is no…
I KNOW we’ve never met but if you are facing 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. t is this: The possibility of losing what they have worked hard…
A LOT of people who are in over their heads in debt think of filing bankruptcy as their last resort. But they are afraid that they might be making the wrong decision. After all, filing bankruptcy is not something that you do every day. Well, to address that concern, I’d like to first acknowledge the…
ARE you seriously in debt and thinking of filing bankruptcy as a last resort? Individuals who have accumulated excessive debt are often left to ponder whether they should file bankruptcy in order to get out of debt. Sometimes, these people feel that somehow, they’ve lost, failed, or that they will never have a chance to…
THE cost of a college education has spiraled out of control for most families. In the last 10 years, student loan debt has sharply risen from $240 billion to $1 trillion dollars. Almost 60 percent of this debt is held by households with less than $8,500 in net worth. This makes sense because if these…
IF you are delinquent in your debt obligations and are being pursued by bill collectors, you may be wondering what these bill collectors can do to force you to pay. Maybe you’re afraid to even answer your phone or open your mailbox, fearing what you may find. Perhaps you’re sick and tired of bill collectors…
