Category: Consumer Columnists

“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…

THERE’S a time to be born and a time to die, a time to plant and a time to harvest. There’s a time for everything.  So states Ecclesiastes 3: “For…

Q:  AFTER I came back from a two-month medical leave, my employer told me that my position was eliminated. However, I heard from a former coworker that the employer hired…

DARREN Stemple worked as a “Business Development Representative” for RingCentral, Inc., a company which sells cloud-based telecommunications systems such as video and audio conferencing, and business app integration software. Its…

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…

ACCUMULATING debt is the easiest thing you can do in America. Even your dog can get credit cards with a fake social security number. If you are an immigrant and…

THE Japanese created Godzilla a long time ago. It’s a gigantic T-Rex on steroids that destroys Tokyo and the rest of Japan until someone comes to the rescue and kills…

NICHELLE Duffey worked as an in-home caregiver for Tender Heart Home Care Agency, LLC, a placement agency for caregivers. Duffey signed an agreement with Tender Heart stating that she is…

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…

Q: I am a full-time hourly employee. While we were told that we have a 30-minute unpaid lunch break every day, we usually cannot take breaks due to the heavy…

CLIENTS are seniors. Wife is 67 and had just retired from a lifetime of being a registered nurse. She has social security benefits of $2100. Husband is 67 and has…

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…

RON Carter worked for XPO Last Mile, Inc. (“XPO”) as a delivery driver. XPO provides delivery services to retail merchants like Home Depot, Lowe’s, and Macy’s. These companies contract with…

The clients are 63 and 64. They are young seniors. Up to 65, you are a young senior in my book.  You can get senior discounts at Golden Corral for…

CHAPTER 7 is called the fresh start because it wipes out all dischargeable debt while allowing the debtor to keep most, if not all, of his assets.  Meanwhile, Chapter 13…

CHASTITY Jones, is a 42-year-old single mother, who worked as a sales accountant Hologram USA and FilmOn.TV, companies owned by billionaire Alkiviades David. FilmOn.TV Networks is an online television service…

CHASTITY Jones, is a 42-year-old single mother, who worked as a sales accountant Hologram USA and FilmOn.TV, companies owned by billionaire Alkiviades David. FilmOn.TV Networks is an online television service…

LET’S give bankruptcy a historical and legal perspective. Right now, when we say bankruptcy law, we refer to the federal law called the “Bankruptcy Code” of 2005.  Creditors did a…

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…

KIMBERLEE Gutierrez worked as a patient registration clerk for Dignity Health for 9 years. Kimberlee had a history of mental disability, which worsened when she was violently attacked by an…

MANY people who need debt relief are afraid to file for Chapter 7 or Chapter 13 because they fear that life after bankruptcy will be difficult. The fear is that…