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The credit counselors’ primary source of income comes from creditors, mostly credit card creditors. Ask the credit counselors if they receive any of their funding from creditors. Since their primary funding is from credit card creditors, their loyalty is to the credit card creditors.

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In the mid-1980’s, farmers throughout the United States faced seemingly insurmountable credit problems. Struggling family farmers were seeing their property and equipment placed on the auction block. In order to protect distressed family farms, Congress added Chapter 12 to the Bankruptcy Code in 1986.

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Excessive debt is the biggest worry of many people. We are provided with many opportunities to increase our debt, but getting out of debt can be especially challenging. Bankruptcy is an option for quickly and easily getting out of debt.

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Most of our clients have been through major life changes, such as a job loss, divorce, or medical issues, that caused them financial difficulties. Recovery from these life changes and their financial aftermath is challenging.

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Vacations are considered a luxury, and any money spent on luxuries cannot be discharged in bankruptcy. That means you will be required to pay back the vacation debt. After you receive your bankruptcy discharge, you may feel you need a vacation, but money will likely still be tight.

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We want to help our clients use their money wisely. A visit to a restaurant can be a welcome break, but not if it keeps you in debt. Be aware of these tricks restaurants use to part you from your money:

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There’s never a better time than the present. Too often, we wait for the perfect time to start losing weight, get out of debt, or have children. Time is constantly passing, and there’s no time to wait!

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We see many clients who have tried to avoid bankruptcy by attempting credit counseling or debt reduction. We want you to avoid the pain of failure to get out of debt that these methods often cause, because they just aren’t effective.

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