We live in the Golden State. Retirement is supposed to be the Golden Years. Do you have enough gold to make it happen? It takes more than twice the typical Social Security check to meet just basic living expenses for a single elder in Santa Cruz County. Yup, the median Social Security check is $12,500 […]
Search Results for: do you need to file bankruptcy
Lost Homes, Cut Off Creditors & Whack A Mole
Those who lost homes in the Great Recession may not be home free yet. Two kinds of creditors have claims that can be expected to pop up like figures in Whack a Mole: home equity lenders whose liens were cut off or released in foreclosure or short sale unpaid homeowners associations Let’s look at the […]
Free Retirement Advice By Professional Advisor Comes Up One Tool Short
The 65 year old woman featured in the newspaper’s Money Makeover series got a free review of her financial situation by a professional financial advisor. Over her working lifetime, she’s been the source of financial support for an extended family, including her aged mother and a disabled sister. Her aid to her family has come […]
The Collection Call That Terrifies
Nothing strikes terror in someone behind on their bills like the fear that the collector will call their family. Sheer terror. It works, too. That fear is second only to a wage garnishment for bringing people to see a bankruptcy lawyer. The only flaw in the collector’s strategy in contacting your family about your debts […]
Tax Question Roundup
Not long til tax returns are due. Time for a roundup of tax issues I see from atop my soapbox. I’ll point you to fuller discussions of tax topics. Are Chapter 13 payments deductible? I’ve never seen a claim that the entire monthly payment is deductible. In a case where all of the […]
Miracles Possible in Mortgage Mess
INVOKE THE SECOND DIVINE MIRACLE OF THE VANISHING EQUITY Why Many Homeowners Need to Run, Not Walk, to Bankruptcy Court and File for Chapter 13 Bankruptcy. The world has many sacred sites. Places that inspire great faith. Places where people go to express, renew, and sometimes discover their faith. Rome, Mecca, and the Holy Land […]
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