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THINKING OF CASHING OUT YOUR RETIREMENT TO PAY DOWN YOUR DEBT?   Think Again Are you struggling with debt and considering cashing in your retirement plan to pay it off or to catch up on a mortgage or car loan to avoid losing it.  If...

Tips to avoid Bankruptcy Proper Use and Care of a Budget Part of my consultation with my clients deals with avoiding ever having to file a bankruptcy again.  I try to avoid repeat business by spending some time with my clients talking about...

If you are saddled with debts that you can no longer continue to pay on a current basis, you may be intrigued by advertisements that suggest that they can settle your debt for much less than what is owed.   These private companies seem to be just one more scheme to rip off...

Handling Secured Loans in Chapter 7 Bankruptcies. The dilemma:  Reaffirm, Redeem, Surrender or something else? The most difficult issue in a Chapter 7 bankruptcy is how to deal with property the acts as collateral on a loan, such as a car...

A Key to Happiness and Financial Success? Turn off the television?  Shut down the computer?  THIS is the key to eliminating future financial woes???? My clients are often incredulous when I first suggest that they will be better able to avoid financial...