Expert Bankruptcy & Debt Relief Insights

Friendship is having a moment now. Sure, the media is telling us that we are doomed to be lonely, that everyone else is confiding in chatbots, leaving them no time for us, so that soon we will start confiding in chatbots, too, because it will be our only choice. Remember, though, that the media has…

The amount you pay on a home mortgage, between the time you buy the house and when you own it outright, is so much higher than the purchase price that the seller received when you bought it that compound interest alone cannot account for the difference. There are so many other fees, from mortgage insurance…

In the game of personal finance, the grand prize is to own a house with a paid-off mortgage. Therefore, in the game of creditworthiness, a home mortgage is a grand prize. The easiest way to get a mortgage with a monthly payment that the lender is sure you can afford is to place a sizable…

You are not alone if you feel like artificial intelligence has made its presence felt in every aspect of your life. AI features in software guess what you meant to say instead when you mistype a word; often, they guess correctly, and sometimes they even autocorrect your error, which is especially annoying if yours is…

The word “bankruptcy” makes it sound like you lose all your possessions, so there is nothing left for creditors to collect, but the business of the bankruptcy courts is properly called bankruptcy protection. The bankruptcy courts work out an agreement whereby they forgive some of your debt in exchange for you paying as much of…

One of the most insidious processes of consumerism is that the desired commodity keeps reinventing itself and taunting consumers to keep chasing it. If you are old enough to remember the heady days of the first iPhone models, you eagerly anticipated the Apple keynote events every few months, when Steve Jobs and his coworkers would…

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…