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Okay….I filed bankruptcy…..now what?

Well, it happened. Your debt load was just too much and you had no choice but to file bankruptcy. Don’t feel bad. Over 1.4 million bankruptcies were filed in 2011 alone. In fact, many famous people have filed for bankruptcy protection. Cyndi Lauper, Tammy Wynette,...

Repair my credit?! Where do I sign?

There are lots of places out there that promise, for a “small fee”, to repair your credit. There are also lots of places out there that promise I can make $4,000 per week from home. I do not necessarily believe either of them. I think the real issue is the...

CHARGE !!!!!!!!!!!!!! it………..

Just in case you have been living in a cave for the last 6 six years, America has been plagued financially with a recession. And while our government keeps insisting that the economy is improving, the signs of a wrecked economy still loom large above us. Prior to...

The Return of Debtors’ Prisons?

Recently I read an article regarding a woman who ended up in jail because she did not pay her medical bills. At first glance my thought was, “Here in America?” I thought debtors’ prisons were illegal. After my initial shock, I picked myself off the floor, took a quick...

Tips for Retirement

Ready to retire? I know I am. My wife and I recently sat down and went over our finances. And after lots of creative money management techniques, we found that we could plan to retire as soon as the year 2097.  (That is, if our great-great grandchildren decide to help...

Credit Reports and Credit Scores – Fact vs. Fiction

For a long time I have listened to friends, acquaintances and clients talk about credit reports and credit scores.  And after many years I have found that most people I have spoken to, have only a vague concept of what a credit report is and what a credit score...