January 3, 2017

When the clock struck 12:01 a.m. on January 1, 2017 people across the United States stood back, took stock of the past year and set their resolutions for the New Year.  Some resolved to lose weight, others to quit bad habits like smoking and others still resolved to sp...

September 24, 2015

If you fail to plan, you plan to fail:

 

Most bankruptcies are a result of an unforseen event such as divorce, illness or the loss of employment.  The problem with that statement is that “unforeseeable” events are all but unforeseeable.  Yet, most people fail to plan for...

May 11, 2015

 

How can you avoid filing for Bankruptcy?

1.     Live below your means and save money for a rainy day.

2.     Stay healthy and make sure all your family does the same.

3.     Don't barrow money you can't pay back within three months.

4.     Drive a paid-off...

May 11, 2015

 

Is there a right time to file for bankruptcy?

Yes, timing in bankruptcy can be a very important part of how successful the bankruptcy is.  What is a "successful bankruptcy?"  To me, a successful bankruptcy is one where the Debtors are able to Discharge all of their deb...

May 11, 2015

 

Many clients come to our office, for a free consultation, and already have in their mind that they want to file for a Chapter 7 rather than a Chapter 13 bankruptcy.  Realistically, how would you know without a thorough understanding of all bankruptcy laws, rules and l...

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Debt consolidation involves reorganzing all of your individual debt payments into one "manageable" payment.  However, throughout my many years of expe...

Debt Consolidation v. Bankruptcy

September 10, 2014

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