July 8, 2015
Living Paycheck to Paycheck: Credit Cards are to Blame. Credit cards are one of the leading causes of why people in America are living paycheck to paycheck. Credit cards have greatly contributed over the last 30 years toward the mentality that leads to living paycheck to paycheck. Credit cards: Spending Money Before You Receive It […]
July 8, 2015
Hidden Credit Card Fees: The Last Straw for Consumers with Too Much Debt Hidden Credit Card Fees: The Last Straw for Consumers with Too Much Debt can be hidden credit card fees. When a family is barely hanging on to pay their bills many times they make a payment late on one of their credit […]
July 8, 2015
Many times our clients ask, “Will I lose everything I bought with credit cards when I file for bankruptcy?” The answer to this question is “No.” You will not lose everything you bought with credit cards when you file for bankruptcy. Generally, you can keep everything that you bought with credit cards when you file […]
June 26, 2015
Why Bankruptcy Can Be Good For Your Credit- Bankruptcy can be very good for improving your credit score. A credit score that has suffered from default in payments or other negative credit reporting can be restored though eventually after a bankruptcy filing. Let’s discuss how Chapter 7 Bankruptcy or Chapter 13 Bankruptcy can help restore your […]
June 25, 2015
Post-Bankruptcy Debtors Financial Management Course –Every person in Chapter 7 or Chapter 13 bankruptcy is required to take a post bankruptcy debtors financial management course. This course helps teach financial principles for making a budget and making sure that you will be able to manage your finances after bankruptcy. This article is about the top […]
June 24, 2015
Pre-Bankruptcy Credit Counseling – Every debtor is now required to take a bankruptcy credit counseling course before they file a Chapter 7 or Chapter 13 bankruptcy case. This pre-bankruptcy credit counseling course can be taken through several different course providers. This article is about the top five things to know about this course. Number One: […]
June 4, 2015
CAN COMPLETELY UNSECURED OR “UNDERWATER” MORTGAGES BE ELIMINATED THROUGH FILING FOR BANKRUPTCY? The premise can be explained somewhat simply: a second mortgage is completely underwater. The mortgage is no longer attached to ANY equity in your house because the first mortgage eats up all the value of the house. This kind of thing is pretty […]
June 1, 2015
IS GOD’S VIEW OF FINANCES MUCH DIFFERENT THAN OURS? What is God’s view on finances? None of us are perfect. We live in a very imperfect world. Each of us has different financial difficulties we face. We all have learned faulty and imperfect perceptions and habits about money. Let’s take a quick view at some […]
May 27, 2015
BANKRUPTCY JUDGES: THE “FEDERAL” JUDGES WHO ARE NOT “FEDERAL” JUDGES. BANKRUPTCY JUDGES & FEDERAL POWER: The domain of bankruptcy was allotted to the federal government by the constitution itself where it says, “The Congress shall have Power To…establish…uniform Laws on the subject of Bankruptcies throughout the United States…. .” This clause eventually led to the […]
May 12, 2015
Timeshares can frequently be handled according to your preference in bankruptcy: you can either KEEP them or even better for many people . . . YOU CAN GET RID OF THEM. A discussion of timeshares and bankruptcy should probably be broken down into three topics: 1) How to retain timeshares in bankruptcy, 2) How to […]
