Failing to Plan and Planning to Fail

From the world of sports comes an object lesson in financial planning.  You may or may not remember the 2004 Athens Olympics.  Greece spent around $15 billion USD staging these Games.  Now, many of those once-shining venues are in serious disrepair.  Eight years...

Top 4 Dischargeable Debts

4.  Medical Bills Even if you have medical insurance, medical bills resulting from a serious illness can average over $13,000.00 ($36,000.00 for cancer patients). Even after they are discharged you can still make payments on your medical bills.  But the payments would...

Prior Bankruptcy Filing?

Although they say that lightning never strikes twice in the same place, it isn’t unusual for multiple financial setbacks to occur to the same family.  If you have filed bankruptcy before, and find yourself in need of bankruptcy protection again, what are your options?...

Personal Bankruptcy and Unsecured Debt

A sluggish job market means increased personal debt.  Jobless consumers are obviously affected, but even those with jobs may find their wages frozen.  The situation will probably not improve anytime soon.  Maybe your family, or someone you know, is facing mounting...

Keeping Up With The Times

Ah, les bons vieux temps ou nous etions si malheureux! Ten years ago about 4% of residential mortgages in the USA were more than 30 days delinquent.  Now, that rate has more than doubled.  Obviously, the Great Recession and the mortgage crisis have affected...