• August 2, 2017

    Secured Credit Card

    Can I Build My Credit With A Secured Credit Card? Many times our clients inquire about secured credit cards.  If you are trying to build credit after filing for bankruptcy, it can be difficult at first. Only limited credit options are sometimes available. You may be able to use a secured credit card in order […]

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  • June 28, 2017

    Should I cash out my retirement account to...

    When bills become overwhelming, frequently people turn to their retirement accounts for help.   Sometimes a large withdrawal from a retirement account can appear to be the solution to overwhelming debts.  However, it is usually a very bad idea to use retirement funds to pay off debts.   Cashing Out Retirement Causes High Taxes and […]

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  • June 7, 2017

    Loans vs Credit Cards- What You Need To...

    Loans and credit cards have many similarities. However, loans and credit cards do have distinct differences from each other.  Loans and credit cards differ in their terms and how they are repaid. Loans are Predictable: They Do Not Change Loan terms are definite. This means that the amount to repay, the interest rate terms, and […]

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  • May 10, 2017

    3 Warning Signs That Your Financial Life is...

    Your financial life is important to your overall security and peace of mind. When your financial life becomes out of control, there always be warning signs. These warning signs may be the signal that you may need more powerful debt relief options such as bankruptcy. Warning sign #1: Living paycheck to paycheck and it’s not […]

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  • April 26, 2017

    Ways to Plan for Medical Emergencies After Filing...

    Medical emergencies can create large, unexpected debts.  Sometimes medical debts can even cause bankruptcy.  It is important to plan for medical emergencies after filing for bankruptcy.   Unexpected medical bills can be controllable by the following planning tips. Planning Tip #1: Acquire Medical Insurance Medical insurance is the most powerful way to plan for unexpected […]

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  • April 19, 2017

    Tips to Stop Collection Calls

    Need to Stop Collection Calls? Collection calls can be horrible.  Although some collectors are polite and understanding, many debt collectors are aggressive and demanding.  Debt collection calls can certainly add stress to an already stressful debt situation.  Here are a few tips for stopping collection calls. Tell Collectors to Only Communicate with You Through Your […]

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  • March 29, 2017

    How to Identify and Avoid Loan Forgiveness Scams

    Large loans make the borrower feel trapped.  With this trapped feeling brings desperation to find any route of escape.  Loan forgiveness scams prey on this desperate, “trapped” feeling.  This is especially true for student loans.   Student loans create the perfect dynamic for loan forgiveness scams.   A loan forgiveness scam claims that you will be able […]

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  • March 1, 2017

    Get Financially Savvy Before You “Take the Hit”

    Everything builds up in our financial lives. If we are moving in the wrong direction financially, eventually we are going to “take the hit.”  Years of bad financial decisions and no improvement on financial understanding will add up.  Eventually, it will lead to one massive, financial, knock-out “hit.”  It may come in bankruptcy, loss of […]

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  • December 28, 2016

    7 “Guaranteed” Financial Tips to Start 2017

    With the start of 2017, an opportunity for a new financial future awaits for those who are willing to make financial changes in their life.  This article discusses seven tips for turning over a new financial leaf in 2017. These tips are not “pop culture” advice or entertainment: they require great life changes and sacrifice.  […]

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  • November 23, 2016

    Can Rental History Rebuild Credit?

    Nothing can be more devastating to credit than to have a bad rental history.  If you have a bad rental history, it can be very difficult to secure housing.  However, a positive rental history can sometimes be a powerful way of rebuilding credit.   If your rental history is built correctly, it can be a powerful […]

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