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3 Steps to Financial Freedom

These 3 steps sum up any Financial Freedom plans. “Financial Freedom” means different things to different people. The simplest definition is when you don’t have to worry about everyday expenses. Adding onto that definition, it’s when you have enough income to meet your monthly expenses, and fix things when they need to be fixed (such […]

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Bankruptcy Myths

There are a lot of “bankruptcy myths”  out there. Most of the myths that are criticisms are just NOT TRUE. They started with how it “used to be” or by creditors trying to stop people from getting the help they deserve. Below is a list of some of the most common myths: 1. You Will

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Divorce and Bankruptcy

Debt problems often lead to divorce which in turn can lead to bankruptcy. Studies have shown that the biggest single stressor on a marriage is debt and money issues. You may have many other reasons to seek divorce, and the reasons often overlap. You may not “want” to save the marriage.  But anytime eliminating debts

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New Rules For Credit Reporting Agencies

There are new rules for credit reporting agencies, starting July 1, 2017 What is NOT Reported Starting July 1, 2017 the three major credit reporting agencies (Equifax, Transunion, and Experian) will stop reporting most judgments and tax liens on consumer’s reports. They will also remove the already existing judgments and tax liens on reports, which

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Why am I poorer in Ocala – or anywhere in mid-central Florida?

Lots of people feel poorer in Ocala, Marion County, or anywhere in mid-central Florida. The recession, inflation, and lower wages make most Americans feel poorer… because they are!! THE GREAT RECESSION Mid-wage occupations (paying $13 and $21 per hour), made up about 60% of the job losses during the recession. In economist talk, the recession

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Disabled and In Debt

Disability, even temporary, is an unwanted life event that can wreck your finances. Disability income never replaces total income.  Bankruptcy might help if you’re off-track because of an accident or illness. You should know these things about disability. #1 Disability Payments Are Exempt in Bankruptcy Bankruptcy allows you to keep disability payments.  This is true

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Is Your Car Underwater?

If Your Car Is Underwater – What Are Your Options? Would you be surprised to discover that your car is underwater? Not underwater in the sense of being wet, but in a financial sense. You are “financially” underwater if you owe more on your car than what it’s worth. According to Edmunds.com, a lot of

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