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Do I or Don’t I? The Real Truth Behind 2nd Mortgage Charge-Offs

Financial hardship has struck and you found yourself unable to pay your 2nd mortgage.  The bank sent you a notice that it [...]

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Record 7 Million Americans are 90 Days Behind on Car Payments

Reports can often be skewed; economists can make numbers bend to the outcome they may desire; so the veracity (the truth) of [...]

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4 Immediate Changes You Receive After Filing Bankruptcy

If you’re like most people, financial struggle doesn’t hit overnight; it was built over years, layers of events that all combined created [...]

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3 Lies Student Loan Servicers Tell

In 2017 the government commenced a lawsuit against servicing giant Navient. In its response to the government Navient stated; “[a] servicer’s role [...]

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Qualifying for Chapter 7 – The Means Test

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005  (BAPCPA) was enacted by Congress in part to prevent high income earners [...]

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What is Chapter 7 Bankruptcy?

A Chapter 7 Bankruptcy is the total forgiveness of all your unsecured debt. Unsecured debt includes credit cards, medical bills, old utility [...]

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