When going through a divorce, there are a lot of concerns involved.  If you and your spouse have joint credit debt or loans, things can get particularly messy.  Not only are you splitting up possessions and joint assets, but you have credit debt to deal with on top of everything. Protecting Your Credit Score As  … Read more

If you think foreclosure might be in your near future, you’re probably desperate to find foreclosure alternatives.  In nearly all cases, foreclosure is not a good situation.  Though there are a few odd scenarios in which it makes sense, by and large, most homeowners will want to avoid it at all costs. Avoiding Foreclosure The  … Read more

For many homeowners today, the thought of foreclosure is one of the scariest possibilities.  Unfortunately, for many other homeowners that thought is already becoming a reality.  A recent report from RealtyTrac reveals that foreclosures accounted for 26% of all U.S. home sales during the first quarter of 2012.  This report – just released last week  … Read more

We hear it all the time: “I don’t want to get into credit debt, so I haven’t signed up for a credit card.”  We can’t stress enough how inaccurate this statement is.  If you are truly so irresponsible that you’re worried about racking up large amounts of credit debt with a credit card, then sure,  … Read more

Debt and foreclosure are not two words most people want to think about.  However, unforeseen circumstances can bring the power of these words home.  We want to help you in avoiding debt and foreclosure in your future.  That’s why we provide a wealth of resources both online on the blog and in our offices in  … Read more

In the first part of this blog, we went over some of the big mistakes many people make when applying for credit cards.  While the first series of mistakes focused on credit cards and credit scores, there are a few more issues we think you should be aware of.  Many people fail to take other  … Read more

When it comes to debt negotiation, many people think they only have the option of working with credit card companies.  However, even the IRS is willing to go through debt negotiation with you!  Just like any other creditor, the IRS would prefer to get something rather than nothing.  And, if you show good faith in  … Read more

Applying for credit can be a great experience for many people.  You get to build a credit score, establish your name as a responsible borrower and spender, and eventually you start to get rewards: cash back, frequent flyer miles, discounts on gas!  Great, right?  If you are thinking about applying for credit, there are two  … Read more

If you are facing what seems like an overwhelming amount of tax debt, a partial payment installment agreement may be just what you need to help you in debt negotiation with the IRS.  A partial payment installment agreement can help you get out of tax debt quicker than you might expect.  And, you might not  … Read more

If you believe you can benefit from refinancing your mortgage, you probably have questions about how to get the process started.  First off, make sure you will benefit from refinancing and not just a mortgage modification.  The two options offer pros and cons to mortgage holders and lenders alike.  If refinancing is indeed the way  … Read more