Avoid Speedy Payday loans Payday loan stores have become more prevalent on TV ads, radio, print, billboards and internet.  You’ll find them in every major city, especially in areas of lower income populations.  The idea of speedy cash is tempting, especially to those who desperately need help. But this quick access to gain early access…

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Make a resolution to pay off debt. Some folks may need additional planning to ensure adequate money is set aside for things such as family vacations, weekend getaways, or other fun things that may not otherwise be budgeted for. Keep in mind that “fun money” is really not “fun” to spend unless you know that…

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Holiday’s are when most people think more about splurging rather than getting out of debt. Yet, if you’re struggling, then it’s important to have saving money top of mind. If you’re buying some time due to the holidays, at least try to avoid adding unnecessary debt. In this article we have some tips for avoiding…

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Desperate financial times, especially those due to COVID-19, are often unavoidable. We don’t want you to feel like a failure. We aim to provide to you the most effective and efficient information towards becoming debt free. If your path could be bankruptcy, we will let you know during your consult. If our bankruptcy or non-bankruptcy…

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Can The IRS Garnish My Wages? The simple answer, is “yes.” If you owe money to the IRS, they can garnish wages and levy or seize your property.  The IRS can even charge interest and fees on the collection of unpaid debt such as back taxes. Many people will procrastinate preparing taxes because they fear…

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Financial literacy can potentially prevent some people from filing for bankruptcy in the future. pertains to an understanding of how money works in our lives, and how to manage it effectively. Early education may provide a logical and responsible approach to money matters which could, in turn, minimize emotional attachments to money and prevent bad…

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Hundreds of thousands of identity theft complaints are reported to the Federal Trade Commission every year.  Anyone with a social security number could be a potential target for identity theft. This event can lead to many financial woes in the future, and possibly require filing bankruptcy. Identity Theft Of Minor Children When data breaches happen,…

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There are security threats when shopping online and serious debt troubles that could follow. So, how do you know an online site is safe? Reputable retailers and banks will NOT allow pop-ups advertising phony products or services. There are several other things you can look for. The most simple step is to ensure that the…

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We aren’t born with the natural ability to manage money, it is a learned skill.  Good money management is about commitment and true desire to want to live within your means and avoid bad debt.  Learning new money management skills has no age-limit. However, the best place to begin is at home.  Teach your kids…

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Predators target millions of people every year through fraudulent behavior and scams that intend to steal money from innocent people.  Unfortunately, many scams target the vulnerable in society, such as the elderly or financially burdened.  Some scams are so slick that they are able to fool even the most intelligent, on-guard, and cautious person.  Internet…

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