In the first part of this blog series, we stressed the importance of maintaining strong, open lines of communication between you and your mortgage holder.  Clear communication greatly increases your chance of delaying foreclosure until you can gain control of your financial situation.  However, even if you don’t think you’ll ever be able to come  … Read more

The financial world often seems to be quite polarized over the subject of credit cards.  While some financial professionals will tell you to avoid all cards at all costs, others will encourage you to take advantage of all the credit cards you can.  Like most people, we tend to think that somewhere between those two  … Read more

The foreclosure process is no walk in the park.  However, as scary as it might sound, it is manageable.  With the right knowledge, resources, and professional help, you can navigate the tricky waters of the foreclosure process successfully!  Don’t let all of the doom and gloom talk on the news debilitate you from taking control  … Read more

What do giving birth, paying taxes, and driving a tour bus have in common?  They’re all made a lot easier when you have an expert.  Sure, you might be able to get a bus from point A to point B in one piece, and you might be able to deliver without an obstetrician, but when  … Read more

On Tuesday, June 26, the Case-Schiller indexes showed that home prices had a monthly increase for the first time in seven months.  However, despite this good news, there are more than 10 million homes and properties with underwater mortgages.  Foreclosure is still a very real option for many Americans. What to do? If you’re struggling  … Read more

If you’re suffering under credit debt, your primary focus should be paying it off as quickly as possible.  If, however, you’re in good credit shape, taking advantage of these credit tips can help you put money back in your pocket.  Responsible use of credit has many benefits.  If you aren’t taking advantage of these tips,  … Read more

If you have unpaid taxes, it might be tempting to procrastinate, and avoid addressing the situation until April.  However, it’s important to remember that debt negotiation with the IRS is different from all other kinds of debt negotiation.  It’s highly advised that you at least make an effort to address any unpaid taxes now rather  … Read more

For many Americans facing foreclosure, the big question is: how do I avoid foreclosure?  Unfortunately, there’s no single, guaranteed method.  However, that doesn’t mean there isn’t an option that will work for you!  Finding what method best suits your situation is something that you will have to determine.  Hiring a financial professional can help you  … Read more

Sadly, many people who are burdened with tax debt don’t know about all of the deductions they might be eligible for.  While you may be going through the tax debt negotiation process this year, be sure you keep track of a few oft-overlooked tax deductions and credits so next year you won’t be facing any  … Read more

Two words you never want to hear together: credit and scam.  But, in a down economy, scam artists are taking advantage of consumers with bad credit scores more often than ever before.  If you receive an offer about credit repair, be very careful.  No one – no one – can alter your credit history legally.   … Read more