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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.

The Holiday season has come and gone and the new year has begun. However, many of us have started the new year with last year's debts and stress.

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 is too controversial of a subject.

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.

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.

A lot of people believe that if they file for bankruptcy they will lose their belongings. This is untrue.

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 equity from a previous vehicle within your current vehicle loan.

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 has dropped, the fact still remains that thousands of families across the state are facing losing their homes in a foreclosure action.

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.

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.