Life After Bankruptcy

There is a common belief that after bankruptcy one’s credit is ruined and one will never receive lending again. This is simply not the case. First, a bankruptcy will naturally fall off of a credit report for 7 – 10 years. Although there ar

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New Year, Fresh Start

The Holiday season has come and gone and the new year has begun. However, many of us have started the new year with last years debts and stress. There are many reasons why these debts may be still lingering, possibly job loss or unexpected expenses.

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Can’t Pay Your Debts Because You Weren’t Paid?

I’m writing today with a heavy heart. Today is a sad day for our nation. Many of you were not paid today because our government can’t come to an agreement. I’m not going to write about my opinion on whether or not we should build a wall. That

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Get a Fresh Start for the New Year

Thanksgiving has come and gone and the new year is approaching quickly. Unfortunately, many of us struggling with debt will be entering the new year with the same or more stress than the last. But that does not need to be the case. You can start the

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The Holidays are Here

The Holiday season has officially begun. But for many people, this season which is supposed to be filled with joy is instead filled with stress. The thought of buying gifts when one’s credit is already overextended can be overwhelming. Are you fee

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Bankruptcy Exemptions

A lot of people believe that if they file for bankruptcy they will lose their belongings. This is untrue. In most cases you are able to keep your belongings no matter what chapter of bankruptcy you file for. The bankruptcy code allows for the use of

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Vehicle Loans

It is a common situation to be upside down (you owe more than your car is worth) on your vehicle loan. There are many reasons for this, high interest loans, your vehicle has depreciated faster than you are paying it down, or you financed negative equi

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Foreclosure

Over the past several years, foreclosures have been a hot issue in the state of New Mexico. While the statistics may show that the total number of foreclosure sales have dropped, the fact still remains that thousands of families across the state are fa

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Three People Speak About Their Bankruptcy Experience

Many people believe that they are alone in their debt struggles and no one else would understand. The stigma that filing for bankruptcy carries with it causes it to be a daunting thought. Although, many do not know that Congress has called filing for b

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New Year – New Start

The holidays have come and gone and we have rung in the new year. However, many of you have started this new year overwhelmed in debt. Whether it is the result of credit cards with balances that never seem to decrease, even though you make your month

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