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Retired / Near Retirement And In Debt?

If I file bankruptcy, will they take away my life savings? In other words, do I get to keep my retirement money? Retirement plans such as your 401k and IRA’s are protected in bankruptcy no matter what chapter of bankruptcy you file, pensions are too. Your pension plan is [...]

By |2021-09-17T13:01:33-04:00August 20th, 2021|Bankruptcy, Debt Relief, Estate Plans, Financial, Retirement|0 Comments

Let’s Look On The Bright Side

For starters, if you’ve been anywhere other than Texas this week – that’s a good thing. To me, the thought of freezing cold and no water or heat for 4 days is beyond misery. After all, I’m known for three layers of clothes when I golf if it is [...]

It’s Time For A Better Financial Song

The Holiday season has begun . . . but it feels completely different. The Pandemic has put fear regarding our health and economic future center stage at the time we want to be sharing the joy of the season with each other. Depression and mental fatigue are wearing on [...]

What If They Take Away My Available Credit?

There are a number of questions I get asked about Credit Cards – but the two most common are, “What if they take away my Available Credit?” and “What about my Credit Score?” Let’s tackle both of these. The “Available Credit” question stems from a combination of two concerns. [...]

By |2020-09-14T14:24:28-04:00September 14th, 2020|Bankruptcy, COVID-19, Credit Card, Credit Score, Debt Relief|0 Comments

COVID Financial Hotspots: So Do I Have To Go Back To Work?

These are difficult times and we face difficult decision. What if you are drawing unemployment at the Federal and State level – taking home $700 – just shy of $1,000 per week -- your employer calls you back to work – must you go? The answer is not entirely [...]

By |2020-05-18T10:03:22-04:00May 18th, 2020|Bankruptcy, COVID-19, Credit Card, Debt Relief|0 Comments

The Year Ended A Bit Rocky – I’d Say

Well we’ve made it to the end of another year. Thank goodness for that! The last week has certainly been rocky – watching the Dow move up and down like a super ball! (I hope you remember the super ball days!). So, what’s ahead? I can’t predict whether GDP [...]

By |2019-01-02T10:33:20-05:00January 2nd, 2019|Bankruptcy, Credit Card, Credit Score, Debt Relief|Comments Off on The Year Ended A Bit Rocky – I’d Say

Credit Card Debt Is Rolling Up With The Economy – Don’t Be A Debt Turkey

Yes, the jobs report on Friday was strong, along with wage growth. Does this mean we’re all doing well? Making more than we are spending, saving the excess and watching our 401k and IRAs grow? For some, the answer is yes. For others, it’s not that easy. On October [...]

By |2018-11-05T09:52:09-05:00November 5th, 2018|Bankruptcy, Chapter 7, Credit Card, Credit Score, Debt Relief, Financial|Comments Off on Credit Card Debt Is Rolling Up With The Economy – Don’t Be A Debt Turkey

It Takes Effort to Get it Right – You Must Follow Through!

We all hear it from time to time: someone complaining that whatever project they were working on faltered and certain aspects came up short. True... things don’t always go right and sometimes it is the fault of others that causes failure. On the other hand, while we often would like [...]

Waiting Too Long Is Devastating To Your Future

Meet Betty and Fred. They are 70 and 71, respectively. They own their home that has returned to limited equity of $25,000 following the financial crisis. Their mortgage payment is $1,500 per month and their car payment is $375. In addition, they have $60,000 of credit card debt that [...]

By |2017-10-09T14:05:56-04:00October 9th, 2017|Bankruptcy, Chapter 7, Debt Relief|0 Comments
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