Financial Education & Credit Building

Credit Card Reduced Limit
Has Your Credit Card Company Reduced Your Credit Limit? Your credit card company has reduced your credit limit.   This quickly ...
Pay Bills on Time Millennials
Recent studies have indicated that millennials appear to have more difficulty paying their bills on time than previous generations. The ...
Long Term Debt Consequences
Most people take mortgages, car loans, and credit cards as a necessary part of modern life. However, these debts usually ...
Financial Mentor
Finding a financial mentor is not the primary goal of most people's lives. However, finding a financial mentor can drastically ...
Living Debt Free
Living debt free requires a radical change of thinking more than anything else. It will require the full-scale rejection of ...
Valentine's Day on a budget.
Like most Americans, you may find yourself on a budget during the Valentine's Day season. You either may not have ...
Love Purchases that lead to bankruptcy
“Love” credit purchases frequently end up in bankruptcy. When love comes into the equation, emotions drive financial decisions instead of ...
Children can be expensive. They can be especially expensive when you do not know when to quit with the gift ...
Emotional decisions can lead to overspending. If emotional overspending goes too far, it frequently leads to bankruptcy. Overspending can be ...
Image illustrating bankruptcy exemptions
5 Ways to Build Credit Building credit opens up a whole new world of options and savings that can be ...
Indianapolis Bankruptcy Attorney John Bymaster explains how to spring clean your finances.
What does it mean to spring clean your finances?  Spring cleaning occurs every year.   Some people clean up their yards.   ...
Use Your Tax Refund Wisely
Using Your Tax Refund Wisely:  Bankruptcy Can Reduce your Monthly Debt Burdens At this time of year, many families receive ...
Financial Action Plan
FINANCIAL COURSE #7 The final step to a complete financial overhaul is the Action Plan.   The action plan is where ...
Financial Overhaul - Do the Opposite of Everyone Else
Do The Opposite of Everyone Else Another step to your successful financial overhaul is also very simple: almost always do ...
Financial Education Course 5 - Never take the easy way
Why does everyone take the easy way in life?  It’s simple - it’s easy!   It is much easier to do ...
Time for Change
Sometimes you have to get dynamic to achieve anything worthwhile in life. You have to be serious about achieving your ...
Income Up Expenses Down
Financial Education Course #3 One fundamental concept to financial success is simple: increase income and decrease expenses. Although this concept ...
Indianapolis Bankruptcy Attorney John Bymaster explains the importance of changing your financial worldview.
Financial Education Course #2 Changing your financial worldview is a much larger task than what you may first anticipate. It ...
Free Financial Classes
Financial Overhaul? Why would I need that? - Course #1 Living with a bad financial history is a pattern. The ...
Debt to income ratio and bankruptcy
Does My Debt to Income Ratio Qualify Me for Bankruptcy? To file bankruptcy, you must be “insolvent,” a term that ...
Secured Credit Cards
Can I Build My Credit With A Secured Credit Card? Many times our clients inquire about secured credit cards.  If ...
When bills become overwhelming, frequently people turn to their retirement accounts for help.   Sometimes a large withdrawal from a ...
Loan vs Credit Card
Loans and credit cards have many similarities. However, loans and credit cards do have distinct differences from each other.  Loans ...
Your financial life is important to your overall security and peace of mind. When your financial life becomes out of ...
Medical emergencies can create large, unexpected debts.  Sometimes medical debts can even cause bankruptcy.  It is important to plan for ...
Need to Stop Collection Calls? Collection calls can be horrible.  Although some collectors are polite and understanding, many debt collectors ...
Loan Forgiveness Scam
Large loans make the borrower feel trapped.  With this trapped feeling brings desperation to find any route of escape.  Loan ...
Get financially savvy before you take the big hit
Everything builds up in our financial lives. If we are moving in the wrong direction financially, eventually we are going ...
With the start of 2017, an opportunity for a new financial future awaits for those who are willing to make ...
Nothing can be more devastating to credit than to have a bad rental history.  If you have a bad rental ...
In this episode Attorney John F. Bymaster discusses whether or not bankruptcy is biblical. Remember that the Podcasts are for ...
Photo of house sinking
A Marion County sheriff sale can be a cause of great alarm.  If you do not want to lose your ...
Image to illustrate that there are 3 tips to become a financial expert
3 Tips To Become a Financial Expert Finding a bankruptcy attorney can create a powerful change in life.  To keep ...
Image of woman on phone with a creditor
Indianapolis Chapter 7 Attorney Discusses Post Bankruptcy Harassment: How To Stop Creditors Who Just Don't Get It Have you experienced ...
Person with pockets pulled out of their pants because they have no money
Living Paycheck to Paycheck: Credit Cards are to Blame. Credit cards are one of the leading causes of why people ...
Photo of credit cards with hidden dollar signs
 Hidden Credit Card Fees: The Last Straw for Consumers with Too Much Debt Hidden Credit Card Fees:  The Last Straw ...
Credit Report
Why Bankruptcy Can Be Good For Your Credit- Bankruptcy can be very good for improving your credit score. A credit score ...
Photo of person using a laptop
Post-Bankruptcy Debtors Financial Management Course -Every person in Chapter 7 or Chapter 13 bankruptcy is required to take a post ...
Open bible
IS GOD’S VIEW OF FINANCES  MUCH DIFFERENT THAN OURS? What is God's view on finances?  None of us are perfect.  ...
Folders with title of Finances
Avoiding bankruptcy in Indiana can be accomplished many times through financial education and responsible, conservative living.   However, no level of ...
Bible
Many times our clients find themselves in a moral dilemma: is it “moral” or "Biblical" to file for bankruptcy?   The answer ...
Credit Score
At our Indianapolis-area bankruptcy attorney office, we have a lot of clients that worry bankruptcy will destroy their credit score.   ...

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