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Deciding Between Bankruptcy Types

After spending freely for years, I realized that I didn't have enough money to feed my family. I was devastated, and I didn't know what to do. Instead of writing off the problem as something that would go away on its own, I decided to take action. I met with a bankruptcy attorney to understand the process, and I was amazed at how kind, caring, and responsible he seemed. He walked me through what would happen, including how to decide between all of the types of bankruptcy out there. This blog is all about helping you to decide whether or not bankruptcy is right for you.

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Answering Two Bankruptcy Questions You May Be Wondering About

23 September 2015
 Categories: , Blog

Financial problems can be a source of immense stress and uncertainty for you and your family. However, it is an unfortunate fact that many people are uninformed about the types of protection offered through bankruptcy, which can make it difficult for them to decide if this is a viable option for their needs. Once you have the following two questions addressed, you will be more informed about whether or not bankruptcy is a suitable solution to your current financial problems. Read More …

3 Reasons Why You Need a Trust

22 September 2015
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Are you reviewing your estate planning needs? Do you already have a will? Even if you have a will, there are several reasons why you may need other estate planning documents, including a trust. A trust is a special estate planning document that gives specific instructions on how your assets should be passed along to your heirs. There are a variety of different types of trusts, but one of the most common is a living trust. Read More …

3 Resources A Pro Se Bankruptcy Filer Can Use

21 September 2015
 Categories: , Blog

If you are considering filing bankruptcy as a pro se filer, there are some great resources available which will be discussed here. You will find these quite helpful in your endeavor. 1. You can find bankruptcy forms for free online. You don't need to buy legal forms or a legal form book because the fillable forms are available online for your jurisdiction at your local government's website or at the federal bankruptcy website: UScourts. Read More …

Loan Agreements: How To Modify Them When You’re In A Pickle

18 September 2015
 Categories: , Blog

With the amount of debt that is circling the United States, it is no wonder that many households are finding it more and more difficult to keep up with their loan payments. If you've found yourself in a pickle and can't afford your loans, you may want to consider requesting a loan modification. There are many loan modification programs available to help those in need, such as the Home Affordable Modification Program (HAMP), which was designed to help eligible homeowners lower their monthly mortgage payment to just over 30 percent of their monthly income before taxes. Read More …

How Can You Stop Wage Garnishments?

9 September 2015
 Categories: , Blog

In times of financial difficulty, because of issues such as a significant cut in pay or a burdensome accumulation of debt, you may find yourself unable to pay your bills. While your creditors may be patient for a short time, you must take action before your creditors start collection proceedings. There are different options that you can pursue if you can't pay your debts. This option you choose will depend how far behind you are on your payments. Read More …