Bankruptcy, Dave Ramsey, and the Credit Counseling Requirement
Oct 19, 2011
When the bankruptcy code was amended back in 2005 one of the new requirements was that those wishing to file for bankruptcy would need to take a pre-bankruptcy credit counseling course as well as a pos...
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Change is on the Horizon: Feds Raise Bankruptcy Fees & Make It More Difficult to File Chapter 7 Bankruptcy
Oct 18, 2011
Filing bankruptcy just got slightly more expensive and for some in Arizona it will be more difficult to file a Chapter 7 bankruptcy. On November 1st of this year the filing fees for filing a Chapter 7 ...
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$20,000 in 34 Years! Credit Card Debt, Monthly Minimums, and Chapter 7 Bankruptcy
Oct 17, 2011
During my bankruptcy consultations I meet with several families every week that are struggling through financial problems. In almost every situation the main problem is large amounts of credit card deb...
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"All Debtors are Compulsive Liars": The Training of a Debt Collector
Oct 11, 2011
Recently in Readers Digest online they posted an article on 13 Things a Debt Collector Won't Tell You. The article discusses various techniques and approaches that debt collectors use to try and get mo...
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7 Reasons Why You Should Not File for Bankruptcy
Oct 06, 2011
I meet with a lot of people who believe that bankruptcy is going to be their best option. And truthfully, for most of the people I meet with bankruptcy is not only the best option but something they sh...
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Home Foreclosed But the Debt Remains: Bankruptcy & Foreclosure
Oct 04, 2011
The other day in the Wall Street Journal there was an article about home owners who have lost their homes through foreclosure only to then be sued by the bank for the balance owed. During my bankruptcy...
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Take Your Life Back: Freedom through Bankruptcy
Oct 03, 2011
How many times in the last year have you received a notice that your power may be cut off because your are behind on the monthly bill? Or wondered how you were going to get to work or the kids to schoo...
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Is Filing Bankruptcy Worth the Money?
Sep 27, 2011
It really goes without saying that if you are thinking of filing for bankruptcy money in your household is tight. You may be struggling to come up with gas money to get to work or buy groceries let alo...
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Bankruptcy & Foreclosure: Dealing with Your House Through Bankruptcy
Sep 20, 2011
In Sunday's newspaper they reported that nationwide there is
expected to be an increase in the number of foreclosures. This not only impacts those families who are losing their
homes but results in a ...
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Bankruptcy is No Time For Secrets: Information that Must be Disclosed
Sep 14, 2011
When I meet with people in bankruptcy consultations one of the big questions on everyone's mind is what assets will
they lose while going through the bankruptcy process? This fear of losing assets
lea...
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