Do I have to be delinquent on my accounts to file for Bankruptcy?
There is a misconception that you have to be behind on your bills in order to file for bankruptcy. You do not. One might ask, “Why would a person declare bankruptcy if they are...
Category: Dealing with Debt
New Year! New Finances!! New Method?
I decided to do something a little different for my “Kick off the Year Post”. I decided to consult the cards. “The Cards” being my trustworthy Wisdom of the Oracle Deck. When I am...
How to stop paying your debt and avoid unnecessary stress
I will be the first to admit that the above title is a bit confusing. And I am certainly not being an advocate for those who simply choose not to pay back money they...
How prepared are you to survive an increase in interest rates?
We have been enjoying record-low interest rates for years. And we are getting a little spoiled. And a whole lot complacent. It is inevitable that interest rates will rise. Everything is cyclical – it...
The 6 most important lessons I learned last year
As I prepared to do my first radio show for the year (In case you’re curious I’ve put the details at the bottom of this post), I was reviewing the most important points that...
Dear Debt – Thank you!
I am an avid seeker of financial knowledge. I follow many blog sites and sift through social media advice and articles, always on the look out for items to further increase my knowledge and...
Negotiating with Creditors / Collectors
Collection calls can be unnerving and intimidating. It’s easy to feel like you have no power in the call. And some (far too many it seems) collection agents use bullying tactics to collect which...
Help! The Bank took my money!!
I get this call at least once every few weeks. It’s something I try to warn against. There is a definitive risk to having all of your eggs in one basket when it comes...
Where do I turn when my finances fall apart?
Asking for personal help has to be one of the most difficult things to do. Whether it’s for relationship advice, parenting advice or financial advice, nobody wants to admit they can’t go it alone....
Is Filing for Bankruptcy Easier Today?
This was a question that I was asked recently. I thought it was interesting and it caused me to reflect on my experience in the Insolvency industry. The gentleman I was meeting with wanted...
