Blog

  • If You Lie Down With Dogs…

    Be very very careful who you work with for debt solutions.  It’s a field that attracts snake oil salesmen – they move right into the void of information and exploit the fear that comes with financial crisis. The North Carolina Attorney General shut down another firm this week, The Consumer Law Group.  Doesn’t that name just sound reputable?  They’re on the ...

    Posted on January 31, 2012 | By : | Categories : Debt Consolidation | 0 Comment
  • Foreclosures Take a Year

    In Orange County, California, foreclosures take a year, not just months as in the old days.  In my experience many take even longer, especially if you’re in short sale or loan modification negotiations.  This extra time gives you room to investigate all your options, keeping ...

    Posted on January 24, 2012 | By : | Categories : Foreclosure | 0 Comment
  • Chase Stops Suing Borrowers

    Collectionscreditrisk.com had a very interesting article on Thursday the 12th.  JPMorgan Chase & Co. (no relation to yours truly) quietly stopped filing lawsuits to collect on delinquent consumer card accounts.  They also let go in-house attorneys who had been very successfully obtaining judgments for years. Collectionscreditrisk.com reviewed the electronic court records in California, Florida, Maryland, New York and Washington and found that all of Chase’s collection ...

    Posted on January 17, 2012 | By : | Categories : Credit Cards | 0 Comment
  • The Fine Line Between Consolidation and Negotiation

    There are many options when dealing with debt.  The difference between debt consolidation and debt negotiation is often confused, not only because the names are similar, but because the process is as well. Both debt consolidation and debt negotiation involved ultimately settling the debt with the creditor for a lower amount than is actually owed.  In both debt consolidation and debt ...

    Posted on January 10, 2012 | By : | Categories : Debt Settlement | 0 Comment
  • Taking the Reins

    The holidays are over and life is slowly returning back to normal in our new year, 2012.  With the new year comes resolutions and together with losing weight, getting finances under control always tops the list.  As well it should because problematic finances affect every area of life and it’s a radically different world when you’re not worrying about how to make the ...

    Posted on January 4, 2012 | By : | Categories : Bankruptcy | 0 Comment
  • A Christmas Song

    Here is my Christmas offering (channel your inner sparkly Elvis): "I'll have a blue Christmas with Am Ex I'll be so blue making minimum payments You'll be doing alright with your Christmas of white, but I'll be in the red this Christmas." If this is your song in 2011, let's talk and make sure you're singing a happier tune in 2012!

    Posted on December 20, 2011 | By : | Categories : Debt | 0 Comment
  • The Best Call to Receive

    I received a call from a former client just to thank me.  He and his family’s lives have been changed since they got rid of over $60,000 in credit card debt.  They had been paying over $1,000 a month just in minimum payments.  He had a few minutes in his workday and used it to call and say, “thank you”. As ...

    Posted on December 14, 2011 | By : | Categories : Credit Cards | 0 Comment
  • Profound Lessons From the American Airlines Bankruptcy Filing

    As everyone in the free world is now aware, American Airlines filed a Chapter 11 bankruptcy. I’ll let you read all the details on the news sites, but it’s interesting to note that American was the only major airline not to file bankruptcy after September 11. What that means is that American’s competing against other airlines who were able ...

    Posted on December 6, 2011 | By : | Categories : Chapter 11 | 0 Comment
  • Save Your House in Chapter 13

    A short sale is one way to handle an upside down house, but if you’d like to stay in the house a Chapter 13 is the way to go.  If you meet the criteria, you can take the second off your house, consolidate all your debt and end up with one monthly payment to the court based on your income and expenses.  At the end ...

    Posted on November 9, 2011 | By : | Categories : Chapter 13 | 0 Comment
  • Moms and $, Encouraging Stories from the Trenches

    I spoke to the MOPS group at Laguna Beach Presbyterian church this week - what a great group of moms.  For those of you unfamiliar, MOPS stands for mothers of preschoolers.  Each mom in the group has a child under 5.   MOPS is a great organization that lets moms connect, form friendships and support each other – and what time in ...

    Posted on November 5, 2011 | By : | Categories : Encouragement | 0 Comment
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