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Tag : debt

Song About Bills Shows You’re Not Alone

Chapter 13, Chapter 7, Debt Collections

With nearly 800,000 bankruptcy filings over the past few years and the folks over at Credit Slips (@CreditSlips) estimating the trend continuing, those that file for bankruptcy protection are truly not alone.  Then, we begin hearing this catchy new tune on the radio simply entitled “Bills” by an emerging artist named Lunch Money Lewis (@LunchMoneyLewis). […]

Spring Cleaning For Your Finances

Chapter 13, Chapter 7

Some people make getting out of debt their New Year’s Resolution; while others wait for their tax refunds to either get out of debt or hire a lawyer and file personal bankruptcy.  We could even start this Springtime with a Money Makeover by facing and then taking bold action to eliminating our debt once and […]

Are You Maxed Out?

Bankruptcy Law Overview

Let’s talk about Mr. Money today. This weekend, I decided to take in the movie, Maxed Out. What an awakening to see that over the years, we have been sold a load of crap about the economy. We are continually told to go out and spend. Again, in this recession, the people are being told […]

Filing Bankruptcy Will Reduce Your Stress

Bankruptcy Law Overview, Chapter 13, Chapter 7

Let’s face it, we are in tough financial times throughout our country.  There are many options to dealing with money issues.  Along with tough financial times comes stress, even depression, anxiety and fear.  Our emotions are tied very closely to our relationship with money.  Here are a few tools that just might help you gain […]

Bankruptcy Can Be Cheaper, Better, and Faster than Debt Settlement

Bankruptcy Law Overview, Chapter 13, Chapter 7, Taxes & Bankruptcy

I know what you’ve been told because I have heard it all too.  The government wants you to do your very best to avoid bankruptcy at all cost.  Bankruptcy is bad; or at least, a harsh remedy to dealing with debt, and should be your last resort.  We have all bought into this ‘agreement reality’ […]

Compassionate Bankruptcy

Bankruptcy Law Overview

I believe that filing bankruptcy is a compassionate act.  I alleviate the suffering of my clients by assisting them to obtain relief from their debts through bankruptcy.  My clients are good people with severe financial hardship, who seek to transform their financial distress into financial freedom. In case you haven’t heard, bankruptcy has a history […]

Two Great Reasons to Avoid Debt Settlement Companies

Automatic Stay, Bankruptcy Law Overview

I’ve had several clients come to me after working with debt settlement companies that have provided no service at all, except to take my client’s money.  These debt settlement contracts usually provide that the debt settlement company will set up a trust account with your name on it and take their fees and payments first.  […]

Don’t Settle Debts Before Filing Bankruptcy

Bankruptcy Law Overview, Chapter 13, Chapter 7, Taxes & Bankruptcy

The only reason you should negotiate directly with your creditors, is to avoid bankruptcy.  Remember that working with debt settlement companies is both costly and detrimental to your finances and will likely land you in my office filing for bankruptcy.  If you want to avoid bankruptcy, work directly with your creditors for an agreement on […]

7 Mistakes to Avoid Prior to Filing Bankruptcy

Chapter 7

In order for your bankruptcy case to run smoothly through the process, you need to avoid these seven mistakes people make before they file their bankruptcy case.  Do Not Run Up Your Credit Cards:  Once you’ve decided to file for bankruptcy because any debt in excess of $500.00 incurred within 90 days of filing for […]

Love; Marriage; Then Bankruptcy

Bankruptcy Law Overview

If you have ever found CNBC on television, they have this show called, Til Debt Do Us Part.  It’s a great show where the host, Gail Vaz-Oxlade takes a tough love approach to helping couples get out of debt and on the road to financial recovery.  I would say that if your marriage can survive […]

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