Does bankruptcy save your home from forclosure?

If you are facing foreclosure, bankruptcy might be able to help, but is by no means a permanent fix to the problem.  In many cases a Chapter 7 Bankruptcy may delay the foreclosure and allow for a lump sum pay back.  Others may be able to save their home by filing a Chapter 13 Bankruptcy that allows for a payment...

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What are the benefits and caveats of credit counseling?

If you find yourself in debt or trouble managing your finances then selecting the right credit counselor is vital. Credit counselors can be a great help to you and your family but unfortunately some organizations may be more interested in their bottom line than your personal finances.  Choosing the right one can change your financial future. The benefits of Credit...

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How Do I Stop Debt Collection Phone Calls?

Phone calls from creditors can be overwhelming and harassing especially if they are calling you at home, work and at relative’s homes.  Some creditors will handle their own collections but yet others farm out the job to third-party collection companies.  As a consumer you have the right to end all contact with debt collectors.  The Fair Debt Collection Practices Act...

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What is the bankruptcy process?

If you are struggling with debt and feeling overwhelmed, you may want to meet with an experienced bankruptcy attorney to review your case and discuss your options.  If individual bankruptcy is something that you may need to consider you may want to know the basic process.  Let’s look at the steps in the bankruptcy process for individuals. Credit Counseling –...

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