If you are experiencing unresolved debt, no doubt it is keeping you up at night!  Even though there is good reason for this, it is not something we enjoy.  With the phone constantly ringing with demanding creditors on the other end and an endless stream of letters in the mailbox, it is hard to forget [...]

In 2005, even with protesting from some bankruptcy lawyers, consumer advocacy groups and judges, the government passed The Bankruptcy Abuse Prevention and Consumer Protection Act.  The reason for their protests was due to them believing that this act could potentially damage consumers who were over their head in credit card debt and not provide the [...]

Reading an article this morning addressing the government facing a negative cash flow for the next two years regarding the payout of Social Security benefits to early retirees (see link below), I found myself intrigued by the following excerpt from that article: Those funds have actually been spent over the years on other government programs. [...]