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Happy New Year! A Chance to Start Again…

You've fallen behind with your creditors or are just about to. You're anxious, trying to avoid thinking about it, angry that life is so tough, and trying to build up the courage to face up to the realities. You wonder whether you really have any decent options, how to figure out the best one and make it happen.
By |January 2nd, 2012|Blog|Comments Off on Happy New Year! A Chance to Start Again…

Renter Protection from the Feds! Renters now protected from Abrupt Evictions in Foreclosures against Their Landlords

A temporary federal law gives renters some protections against getting evicted from their homes when a bank forecloses on their landlord.
By |November 9th, 2011|Blog|Comments Off on Renter Protection from the Feds! Renters now protected from Abrupt Evictions in Foreclosures against Their Landlords

Good News for Students: Some Student Loan Borrowers Get Some Relief!

Starting in 2012, about 1.6 million student loan borrowers will be able to make smaller monthly payments, and make less of these payments before the remaining balances are forgiven.
By |November 5th, 2011|Blog|Comments Off on Good News for Students: Some Student Loan Borrowers Get Some Relief!

Good News: Yes You Can Refinance Your Mortgage No Matter How Far Underwater It Is!

One million more homeowners have just become eligible for refinancing at the current low interest rates.
By |November 4th, 2011|Blog|Comments Off on Good News: Yes You Can Refinance Your Mortgage No Matter How Far Underwater It Is!

Buyer Beware: Avoid the “Presumption of Fraud” for Holiday Credit Card Use

Paying for the holidays with credit cards, even at a relatively modest amount, can mean that you will have to pay back those purchases if you file a bankruptcy.
By |November 3rd, 2011|Blog|Comments Off on Buyer Beware: Avoid the “Presumption of Fraud” for Holiday Credit Card Use

Buyer Beware! Pre-Holiday Warning about Credit Card Use for Gifts

Especially if you're thinking about filing bankruptcy, resist the urge to rack up a big credit card bill for Christmas and other holiday gifts.
By |October 24th, 2011|Blog|Comments Off on Buyer Beware! Pre-Holiday Warning about Credit Card Use for Gifts

Heads UP! Changes coming NOV 1 as to Whether or Not You Qualify to File a Chapter 7 Case

It will be just a little bit easier or a little bit harder to qualify to file a Chapter 7 "straight bankruptcy" as of November 1, 2011.
By |October 21st, 2011|Blog, News|Comments Off on Heads UP! Changes coming NOV 1 as to Whether or Not You Qualify to File a Chapter 7 Case

Keep Your Ability to File Bankruptcy When You Want…

Sometimes the timing of your bankruptcy filing hardly matters, but other times it's huge.
By |October 19th, 2011|Blog|Comments Off on Keep Your Ability to File Bankruptcy When You Want…

Beware of Judgments: Avoiding Judgments that Can Really Hurt You and Your Bankruptcy

Many judgments against you don't matter once you file a bankruptcy. But certain ones are very dangerous. How can you tell the difference?
By |October 19th, 2011|Blog|Comments Off on Beware of Judgments: Avoiding Judgments that Can Really Hurt You and Your Bankruptcy

Judgments are Powerful! Know the Dangers of Allowing a Creditor to Get a Judgment Against You

What you don't know CAN hurt you, if it's a judgment against you by a creditor.
By |October 17th, 2011|Blog|Comments Off on Judgments are Powerful! Know the Dangers of Allowing a Creditor to Get a Judgment Against You