Bankruptcy & Credit Counseling

Are you one of the millions of Americans now considering bankruptcy?  If so, in most instances, you'll need to complete pre-bankruptcy credit counseling before AND after filing bankruptcy.  Why are you required to complete it twice?  Unbelievably, the first one is to determine if you even need to file bankruptcy

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Repairing Your Credit Score

As if 2020 wasn't bad enough already, what with a pandemic, lockdowns, and an economic downturn unlike any other, millions of people also lost their jobs… and that will leave millions of us with blemishes on our credit reports that can and, in many cases will, take years to clean

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Upside to the Pandemic?

In a highly unusual economic climate, a highly unusual thing is occurring in the United States… Credit card debt is actually declining during the current recession!  In fact, for the first time in years, total American credit card debt has now dropped below the $1 trillion mark.  So, why is

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Should You Borrow Money Now?

Right now, more than 30 million Americans are on unemployment, or in some states, trying to get unemployment started.  Cash is becoming scarce as the first round of stimulus checks has long since been spent.  But, if you're running out of cash, should you borrow money to survive?  And if

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