Steven J. Richardson | May 22, 2009
You have probably read, heard, or seen on the news about the U.S. Senate passing legislation to protect credit card holders from the predatory practices of banks. For years consumers have had to deal with high interest rates, changes in rates with no reason or warning, universal default on all cards if you are late [...]
Steven J. Richardson | May 19, 2009
I tell all my clients and prospective clients that my office is the last stop on the train. In other words, people should try every other option first before filing. Many have gone to (reputable) debt counselors to work out payment plans or taken out home equity loans to consolidate their debt at a much [...]
Steve | May 11, 2009
Ever since the bankruptcy laws changed in October of 2005, debtors have had to make a choice about what they are going to do with their car loans. Are they going to pay them off (hardly practical in most cases), reaffirm them (their debt to the bank would not be discharged), or turn in [...]