Expert Bankruptcy & Debt Relief Insights

If you are old enough to qualify for a credit card, run up a big balance, and have so many other financial obligations that you can barely afford the minimum payments on your credit card, then you are old enough to know that there is no such thing as a free lunch. When people offer…

There are plenty of reasons to file for bankruptcy, and the bankruptcy court does not care which of them led you to its door this time. Perhaps you lost your ability to work, but the bills kept coming due. Maybe your ex-spouse took all your assets in the divorce, leaving you with a whole family’s…

All over the country, but especially in California, people who used to enjoy a middle-class lifestyle are now complaining that their six-figure household income leaves them living paycheck to paycheck. They used to be able to transfer a percentage of every paycheck into savings and to afford leisure travel and restaurant meals. Now, they anxiously…

Young people have plenty of reasons to be in a bad mood about their finances. Buying a house is prohibitively expensive, but so is renting. Robots and chatbots are proving themselves to be increasingly competent at an increasing number of our jobs. Married people are better off financially than single people, and marriage rates are…

Losing money is a natural part of gambling, and if you are sure that there will be a chance to win the money back and then some, it can be part of the fun. If you have ever used the proceeds from gambling to pay your bills, you are not alone. So many people rely…

You have been trying for years to pay off your debts, and you are getting nowhere. It is only natural to feel demoralized. Even those lab rats that press the lever multiple times, but it gives them treats less and less often, eventually give up. Of course, you are not a lab rat, and you…

When you are watching every penny, you sit at home and make financial calculations in your mind while other people are out engaging in leisure pursuits, or so the influencers on YouTube would have you believe, then you try to spend your free time on income-generating activities, or at least on doing things that do…

If you are bummed out about the fact that everyone in California has been in a foul mood for as long as you can remember, count your blessings. Try driving a few states east to Utah or Texas, where the older generations have managed to impress upon their daughters, even in these turbulent times, that…

In a perfect world, no one would need to use credit cards, but a perfect world is so far away that you have already maxed out one credit card with grocery purchases and other expenses that no one would consider luxuries, and now you are running up the balance on at least one other card.…

How bad your finances are is, at least partially, a matter of perspective. Sure, you don’t have any money left at the end of the month to put into savings. If you are so optimistic that you transfer a percentage of your paycheck into savings every payday, then you end up transferring it back into…