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Stressed Families Can Take A Card From Trump Casino
Donald Trump’s Atlantic City casino operation filed bankruptcy, following in the steps of his other entities. What does that mean to ordinary folk here on the West Coast struggling with bills and the...
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When You Can’t Make Your Chapter 13 Payments
When your wallet’s as flat as this tire and you can’t make your Chapter 13 payments, what do you do? Chapter 13 promised a chance to reorganize, keep what’s important, and get out of a financial...
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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. Sound like one of those snarky radio ads? This one’s...
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Pay Your Debts Or Go To Jail?
What would you do if you got a tip there was an arrest warrant out because you hadn’t paid one of your bills? Scrape up the money any way you can? Get out of town? Laugh? The right answer is “laugh”....
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Three Reasons To Divorce Your Bank Before Bankruptcy
Banks do funny things when a customer files bankruptcy. Only many are not so funny. Whether your relationship with your bank has been good or not, there may be grounds for divorce before you file...
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Get Annual Credit Report For Free
When is FREE not FREE? In a world seemingly driven in all matters by credit reports, getting that report for nothing ought to be a good thing, But the commercial entities beat the federal government to...
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Saving Habit Wins The Debt/Savings Debate
Pay off debt first or start saving now? It’s a debate almost as convoluted as which came first, the chicken or the egg? Experts heatedly take opposite sides. You get rid of debt faster if you put all...
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Wage Garnishment Survival Guide
“Your wages have been garnished, ” reads the letter from your employer. Do nothing and twenty-five percent of your after tax earnings will be sent to your judgment creditor. So, do something: keep...
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The Flat Wrong 1099
When her soon-to-be-ex filed bankruptcy, my client got a 1099-C for the joint credit card. The form claimed that the debt was cancelled. Therefore, she had additional income equal to the card balance....
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The One Person You Must Tell About Your Bankruptcy
Most people who file bankruptcy don’t want anyone else to know. Some of my clients try to hide their break for financial freedom from friends and neighbors. Others are worried about their boss finding...
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Bankruptcy Busts Taxes Only If The Timing Is Right
Got unpaid taxes for 2012? October 16, 2016 those taxes reached the end of the line as priority claims in bankruptcy. They lose their protected status and can be discharged in bankruptcy. Discharged,...
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Stupid Moves Before Seeing A Bankruptcy Lawyer
Don’t tidy up your financial affairs before consulting a bankruptcy lawyer. You may waste money or lose bankruptcy options when you make last minute changes to your situation. You’ll have the widest...
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Update Your Mental Money Software To 2.0
What kind of life style are you entitled to? When was your sense of your place in the economic world formed? Just like the anti virus software on our computers and the operating systems on our smart...
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Did You Ask The Right Question About Settling Old Debt?
The guy with an old debt asked if bankruptcy or debt settlement would cause greater damage to his “credit”. The money advice columnist gave the right answer to the wrong question. She, or the reader...
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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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Debt Can Kill You
Money is the single largest source of stress in the US. Other sources of stress are work, the economy, family and relationships. I can’t offer a remedy for these stressors. But I have a cure for debt...
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Five Ways 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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When You Can’t Make Your Chapter 13 Payments
When your wallet’s as flat as this tire and you can’t make your Chapter 13 payments, what do you do? Chapter 13 promised a chance to reorganize, keep what’s important, and get out of a financial...
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Smoke, Mirrors, And Budgets: Are You Missing Where Your Money Goes
I can’t save anything because it takes every dollar I make just to get by. Sound like a description of your budget? For some folks, that is absolutely true. But for another slice of working folks,...
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How Their Telephone Can Ruin Elders
The elderly couple was suddenly in financial trouble. The two mortgages on their home were a couple of months delinquent. Their bank account had just been levied by the state taxing authority. They...
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