Solutions

Once you’ve filed for Chapter 13 bill consolidation bankruptcy, your next step is to formulate a plan to “cure” or make up the past due mortgage payments and bring your account current.  That will include any late fees and other fees and costs your mortgage company has levied. And, depending on the way your mortgage is worded, you may also…

You get your paycheck, only to be shocked to discover it’s 25% less than the amount you earned.  Your wages have been garnished by a creditor.  You were barely making ends meet with a full check, so this is impossible! Wage garnishment usually has a domino effect.  Without a full paycheck, you can’t possibly make mortgage payments and car notes,…

The state of the world’s economy is changing rapidly. Millions of American workers have lost their jobs due to companies down-sizing, out-sourcing or even going out of business. Many have been forced to take a part-time job, or make less than they used to in a full-time position. Without A Decent Paycheck, It’s Impossible to Pay All Your Bills For…

Repossession of your vehicle is not just loss of a piece of property; it is a threat to your ability to get to and from work, to get your children to school and other activities, and to provide for the health and well being of your family. Every single day, thousands of people lose their vehicle to “repo men,” taken…

Several years ago, the American Journal of Medicine released a shocking study which revealed that more than 62% of all bankruptcies filed in the United States had medical debt as a major cause.  It also showed the number of people filing for bankruptcy because of medical debts increased by almost 50% in just six years. Over the years, big credit…

It’s a myth.  If you think you must be three payments or more past due on your mortgage to be in danger of foreclosure, it’s simply not true.  Foreclosure is usually filed for one purpose and one purpose only; since you’re not making payments, the lender wants you out of your home so they can sell it at a public…

With the current state of our economy and with the prospect of full time employment and higher wages tending to stagnate, many people have had to rely on credit cards to try to make ends meet. But, with that additional demand for credit, credit card companies have increased interest rates and added penalties, costs, fees and accelerated due dates. These…