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I bet this the first time you have ever heard the words ‘millionaire’ and ‘bankruptcy’ in the same sentence. I’ll break it down for you here. Most people believe that filing for bankruptcy is the hard bottom of a terrible financial fall. Others believe that it will ruin your credit forever. Both statements could not […]

The concept of credit scores started in 1989, and since then has evolved into today’s most popular scoring model, the FICO Score from Fair, Isaac, and Company. The law regulating credit scoring models, Fair Credit Reporting Act regulates the information contained within your credit report. Back in the 1800’s, most credit was conducted by businesses, […]

Are you considering bankruptcy to eliminate your debts, but afraid because of the stigma? Let’s talk about your perceived views on bankruptcy and debt relief through the lens of social stigma. We’ll also discuss why you may be keeping yourself from taking advantage of what could be your best option to cure your financial troubles. […]

I’m stuck in isolation, like the rest of us taking this novel virus seriously. The fact that it’s “novel” just means that no one is immune to it yet. From the rest of the world, this looks like the short-term getting back to work won’t happen until May or June at the earliest. Then, when […]

What you don’t know about the business of getting out of debt will cost you. Anyone working on getting from Point A to Point B knows the paths are many and they all have their costs and benefits. The question you have to ask yourself is; How much you’re willing to pay for freedom? Quite […]

We know a recession is coming and there is no way to predict the timing of the event or what exactly will trigger a recession. What I do know is that our capitalism centered economy requires that you spend, but how long can you keep that up? If you’re not keeping an eye on where […]

I just finished watching the entire season of Going From Broke on Crackle. I see their mission to transform young people’s lives around their finances. Some would call it “adulting.” No matter which episode you look at, these are college graduates all struggling to repay their student loans. Selling assets and picking up extra jobs […]

Have you ever read the fine print for one of those debt relief companies? Here’s a sample: “Clients who make all their monthly program deposits pay approximately 70-75% of their original enrolled debts over 24 to 60 months. Not all clients are able to complete their program for various reasons, including their ability to save […]

Are you buried with too many bills and no money left over at the end of the month? While we all feel a moral obligation to repay our debts, what happens when we don’t have enough money to juggle it all? Getting out of debt is the goal. As soon as possible of course. The […]

Katherine: Hello everyone. Thank you so much for joining us for This Needs To Be Said TV. We’re joined again by our friend, attorney Christine Kingston. And last time we were talking about student debt was scarier than shit, but that idleness but either way we’re talking about the attachment we have to our stuff. […]