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Oh, If I Could Just Do It All Over Again

Have you said these words? I have – and I know you have. Inevitably, it means you made a mistake and would like a redo. We all say it, but we know there are no “re-dos.” I most often say this to myself when I think back to the [...]

There’s Hard Work And Then There’s B.S.

Check out his headline from the Consumer Financial Protection Bureau from Wednesday: CFPB Finds Credit Card Companies Charged $12 Billion in Late Fee Penalties in 2020 Largest credit card issuers expected to hike fees further The article goes on to indicate that current first-time late fees have increased to [...]

By |2022-04-05T11:07:51-04:00April 5th, 2022|Bankruptcy, Chapter 7, Credit Card, Debt Relief, Financial|0 Comments

Debt Collection And Social Media

Debt collection has arrived to the 21st century. It was bad enough when you were behind on your bills and debt collectors were calling you day and night; now, they have technology on their side. New rules just approved by the Consumer Financial Protection Bureau allow lenders to email, text, [...]

By |2021-12-21T14:38:52-05:00December 21st, 2021|Bankruptcy, Chapter 7, Credit Card, Debt Relief, Financial|0 Comments

Insist Upon Character and Eliminate Procrastination

I always reflect during the holidays. While I often assess – the holidays are a time where I look at where we stand as a nation and do a self-assessment as to personal and business goals. I watch some of my favorite movies; Dave, The American President, Remember the [...]

By |2021-11-24T15:02:54-05:00November 24th, 2021|Bankruptcy, Credit Card, Debt Relief|0 Comments

Stress, Financial Crisis, Garbage Cans, and Let the Sunshine In

The father of a friend of mine passed away. His father was a wonderful guy, but organization was not his thing. My friend was stressed over his death and went into panic mode - sifting through endless stacks of documents. Instead of looking at the documents, he was just [...]

Snowflakes and Credit Card Debt

I’m anticipating our first blast of snow for the season. Can you guess the relationship between snowflakes and credit card debt? Think about the first few flakes that fall. They are inconsequential. Soft fluffy crystals ranging from .2 to 5 mm in width. It is safe to say that [...]

By |2021-11-11T11:20:19-05:00November 11th, 2021|Bankruptcy, Credit Card, Debt Relief, Financial|0 Comments

Should I Guaranty My Child’s Or Grandchild’s Student Loan?

I hear the question all the time -- is it okay to co-sign or guaranty a student loan for my child or grandchild? It's a common issue, just read this quote from the Wall Street Journal: "Roughly 93% of all new private student loan dollars extended to undergraduate students [...]

By |2021-11-04T12:55:54-04:00November 4th, 2021|Debt Relief, Financial, Student Loan|0 Comments

The Debt Ceiling Has Two Lessons

Here we go again.  The U.S. will default on its debt obligations if Congress does not act by Thursday. TV coverage makes it sound like we are about to go into the abyss – with the stock market taking a hit once we default. Does this sound familiar? – [...]

By |2021-09-28T10:31:44-04:00September 28th, 2021|Bankruptcy, COVID-19, Credit Card, Credit Score, Debt Relief|0 Comments

Can I Afford To Settle My Credit Card Debt?

Pause for a second and ask, “What does that mean – Can I afford to settle my credit card debt?” Of course, you know it’s a mistake to carry credit card debt and pay usurious rate interest to the credit card companies. If you have $50,000 of credit card [...]

By |2021-09-17T13:00:56-04:00September 17th, 2021|Credit Card, Credit Score, Debt Relief, Financial, Retirement|0 Comments

You Won’t See Wisdom Watching the News…

Simply stated – Congress is divided and so is America. Division breeds ignorance, and in my view and we are all witnessing more than our share of it – on every side of the isle. Wash, Rinse, Repeat... the story of American politics. So, instead of focusing on Congress [...]

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