Saving money can be difficult when income is limited but there are some simple tricks that can be used to end the month with money in your pocket. First, you should create a budget. Be realistic about your expenses. Compare your budget to your actual expenses each month. Use your bank statements and credit card […]
In most bankruptcy cases the goal is for the debtor to eventually receive a discharge. The discharge protects debtors from collection of most of the debts listed in the bankruptcy case permanently. But sometimes cases get dismissed before the debtor receives a discharge. The most common reasons bankruptcy cases are dismissed are failure to make […]
There are a lot of horror stories online about how filing bankruptcy will ruin your credit rating forever. If you look closely at these web sites, and do the research to find out who actually owns the web site, you will probably find out that it is owned by a credit card company, mortgage lender, […]
If you watch the news you probably know that there have been a lot of foreclosures in recent years. As a result, Congress has pushed mortgage lenders to offer loan modifications to help people save their homes. A loan modification can be a good tool for changing the terms of a mortgage so that the […]
I have met with thousands of different people to discuss their financial situation. Usually during the first meeting I am trying to determine if bankruptcy is a good option for them. I am a bankruptcy attorney. My entire practice is built on filing Chapter 7 and Chapter 13 bankruptcy cases. However, many of the people […]