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How Much Should You Spend
The expenses your paycheck has to cover go on and on. Each dollar is stretched; each expense clamors for attention. Too often, the expenses go on long after the available money is gone. What seem...
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How To Bankruptcy Proof Your Divorce
If you want to survive the bankruptcy of your ex spouse unscathed, you need to consider the bankruptcy possibility during the divorce. A marital settlement, binding outside of bankruptcy, means little...
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Don’t Let Your Bank Pick Your Pocket
The right of your bank to take your money when you aren’t looking stops at your credit card. Your bank may be entitled by common law to setoff what it owes you from what you owe it on the garden...
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Can Your Lender Account For Your Payments
You’ve got a lot to keep an eye on. You probably regularly check the performance of your stocks. Your blood pressure. Your credit report. Your bank balance. Your team’s standings. Yet chances are,...
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Asset Protection For Free
Enjoy your money without worry about your creditors taking it from you. That describes asset protection. A substantial industry run by expensive professionals will scatter your money between...
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Pay Off Credit Cards At Zero Percent
I’ve got news for you: There’s a government program that lets you pay the balance on your credit card without interest and owe nothing more. Meet Chapter 13. I want to pay off my credit cards, but...
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How To Spot A Fake IRS Officer
Identity thieves are now posing as “helpful” folks from the IRS. These scammers email you with the disturbing news that your tax return has been flagged for further examination. Posing as representing...
View ArticleCollection Suits and Court Dates
I know that those in financial difficulty are frequently not operating at their peak. But for the life of me, I can’t understand how the recipient of a summons and complaint from a California court can...
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California Exemptions For 2015
When the sheriff arrives at your employer, or your bank, or your business with a levy in hand, you want to know NOW, and FOR CERTAIN, what part of your assets are protected by an exemption under...
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Stay At Home Doesn’t Mean Get Left Behind At Retirement
Just because you don’t work outside the home doesn’t mean you can live on nothing in your old age. If you are married and your spouse has qualifying income, you can contribute to a spousal IRA. And you...
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Meet The Really Scary Creditors
When the debt collector threatens to sue is when most people start getting scared. Scared about losing part of their wages, or their bank accounts. Scared about being served with process at work. The...
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Plan Perfect Holidays And Better New Year
The desire to turn over a new financial leaf usually blossoms when the bills from Christmas arrive in January. What was a seed of an idea about getting out of debt, sprouts and grows after the...
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The Most Powerful Debt Management Tool
The most powerful debt management tool isn’t a software program. It isn’t a website, nor a consulting firm. It isn’t even a calculator. The most powerful debt management tool is a letter opener. If you...
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The Key To Wipe Out Old Tax Liability
Discharging tax debt in bankruptcy gets lots of families out of a horrible hole. Once they fell behind on taxes, the penalties and interest swelled the debt and collection often compromised their...
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Credit Reports Heal
Will filing bankruptcy hurt my credit? Probably. Should that hit to your credit keep from filing bankruptcy? Not by a long shot. Incredibly, I encounter people drowning in bills they can’t ever pay...
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Who Profits When Money Trouble Is Shameful?
Talking about our financial difficulties is taboo in this society. We lionize those who make a fortune. Everyone expects to live the middle class life. What’s wrong with you if you aren’t making it?...
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What Aesop Knew About Retirement Savings
Every campaign needs a logo. Make the logo of your financial planning a turtle, rampant. Rampant, you say? Turtle? In the Middle Ages, knights put their ID’s on their shields in elaborate heraldry...
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What Is Really Scary About Debt Collectors
When I tell a client to stop paying credit cards, they look at me as though I’d suggested they jump into shark infested waters. “But they’ll start calling me”, they wail. “I’ll be sent to collection“....
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Claim Tax Deductions Lurking In Your Chapter 13
Tax deductions may be hiding in your Chapter 13. Did you file for an extension of time to file your income tax return? Well, time to get the return done is running out: returns are due October...
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8 Essential Tasks To Maximize Your Bankruptcy Fresh Start
Got your bankruptcy discharge recently? The end of the bankruptcy case is the start of your new financial life. Now, you’ve got work to do to maximize that fresh start. Save your bankruptcy papers...
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