11th Mar 2019

Many times over the years, I’ve had to rely on my tax refund to pull me out of a jam.  It was usually property taxes or HOA dues that needed to be paid and I’d have to wait on the … more

19th Dec 2018

It may seem like a strange question, but it is worth asking yourself whether you should consider filing for bankruptcy before Christmas.  If you are like me, the last thing you want to think about this time of year is … more

30th Nov 2018

We are now in full swing Christmas mode with movies and music.  Christmas is such a wonderful and joyous season of the year, and also the most expensive. A recent study shows that 75 percent of Americans use their credit … more

22nd Oct 2018

It is reported that federal student loans have had continuous, cumulative growth since the Great Recession ended in 2009.  These loans have increased by approximately 157 percent over these years. That is a tremendous increase compared to the 52 percent … more

8th Oct 2018

According to the news, consumer debt in the United States has been steadily growing since 2012 and is expected to top $4 trillion by the end of this year.  Debts on auto loans and credit cards climb by approximately 7 … more

23rd Aug 2018

Since 1990, there has been a dramatic increase in the rate at which older Americans file bankruptcy. One study indicates that the percentage of elderly filers has gone from 2.1 percent in 1991 to 12.2 percent in 2018. The cause … more

9th Aug 2018

A few months ago, the Federal Reserve reported that an increasing number of Americans are falling behind on their car or truck payments and are in danger of having their vehicles repossessed. The report states that there are 6.3 million … more

You have probably heard the saying that you can’t afford to be sick in America. This sad statement is truer now more than ever. I recently read a survey stating that more than 60 percent of insured Americans with medical … more

30th Jul 2018

When you turn retirement age in America, you generally look at slowing down a bit, perhaps stopping work and enjoying some time with the grandkids. Unfortunately, things change quickly. Sickness and hospital stays can lead to mounting medical bills that … more

29th Jun 2018

As a bankruptcy attorney, I am often asked by prospective clients if they should wait to file bankruptcy.  Some of them believe that the job market may soon turn around so they can find better employment. Others want to wait … more

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