Some of the more popular scams are targeted against people that have had recent financial problems. Names and contact information can be obtained from those that file bankruptcies from court records, foreclosure records, and debt collectors list. These scammers are assuming you will be desperate enough to make bad decisions regarding your credit. Some lenders  … Read more

In national news, a man in South Carolina has won the 2nd largest lottery jackpot in history. While it may be hard to believe, even a $1.5 billion lottery winning has the potential to be squandered. A higher number of lottery winners go bankrupt after winning than do not. Percentage of Lottery Winners That Go  … Read more

You’re probably aware that your credit score is an assessment of the risk in making a loan to you. This score is based on your ability to repay debt. But what happens when you marry someone with bad credit or whose credit begins to fall after marriage? How your spouse’s bad credit can affect you  … Read more

Anyone who has successfully made it through a Texas bankruptcy or credit counseling knows that a budget is absolutely essential to eliminating and avoiding debilitating debt. Keeping a budget can be extremely difficult for many people, but luckily, there are many new and not-so-new software applications that can assist you in keeping track of your  … Read more

Are you currently in debt with no debt pay off plan? If you answered yes, you aren’t alone. In a recent report by LendingTree, more than a quarter of American have no definitive plan to repay their debt. This is a growing problem in the country as U.S. household debt tops $13 trillion. There is  … Read more

Rent-to-Own businesses have been around for some time and we are often consulted on if these types of installment plan purchases of household appliances and furnishings is a good idea. The answer is most often: rent-to-own is a very expensive way to do either. In fact, renting-to-own is often a costly financial mistake. What is  … Read more

So you want to improve your finances? Managing them wisely is the clue. Here is some advice that you can act on to strengthen your situation. Get paid a worthy amount or never spend your complete income Simple as it may seem, many of you struggle with the most basic financial rule of all –  … Read more

Do you have a flexible spending account (FSA), or health savings account (HSA) with your health insurance plan? If you do, you are likely not reaping the most benefit from it. Many people don’t even realize what all they can use their FSA to pay for. One way to save money in 2017 is to  … Read more

If you are like most people you probably have a few New Year’s resolutions in mind. Now is the perfect time to take action as we roll into a fresh new year to have the life you have dreamed of, and that includes financially. Take these few simple steps to ensure your 2017 is one  … Read more

Every marriage is different, especially when you consider the diversity in ownership of property, income, savings, and other assets both before and after the marriage. A common question, with this statement considered, is can I file a bankruptcy without my spouse? That is, can only one of the two individuals that are married file separate  … Read more