Do I Need a Will?

Yes, a Legal Will is Essential for Your Estate For many people, the thought of a Will brings with it unpleasant thoughts of death. Many people think, “I’m in good health, why do I need to think about having a Will?” Certainly, wills are very easy to put on the back-burner for another day. Unfortunately,… Continue reading Do I Need a Will?

What is a Judgment?

Has a Civil Action been Taken against You? Judgments are the result of a civil action filed in a court. They are usually for the collection of money owed by one party to another. Civil actions can start only within certain time limits. For example: The time limitation for a written or contract is four… Continue reading What is a Judgment?

Dealing with a Divorce and Marital Debt

Dealing with a Divorce and Marital Debt at the Same Time Filing for bankruptcy and dealing with a divorce are both traumatic life events. Few people imagine they might have to deal with both at the same time. In reality, these two areas of life and law often go hand-in-hand. It is not unusual for… Continue reading Dealing with a Divorce and Marital Debt

Mortgage Foreclosure

Do You Need to Move Out of Your Home? When a sheriff appears at your door to serve you with a foreclosure notice, it can be a scary event. A foreclosure complaint & summons is the legal document you receive when a foreclosure lawsuit is filed against you. This happens when your lender sues you… Continue reading Mortgage Foreclosure

Budgeting Tips for a Great Vacation

Going on Vacation? Budgeting Tips for a Great Vacation Going on vacation this year? Vacation planning is essential both to ensure that you have a good time and to keep your vacation budget under control. Don’t spoil the great memories of your get-away by ending up with higher household debt. Here are some vacation tips… Continue reading Budgeting Tips for a Great Vacation

Repaying Family Before Filing Bankruptcy

Does Borrowing Money from Family Complicate Bankruptcy? When it comes to filing for bankruptcy, many people have first gone to family for help as their financial problems mount. If you’ve taken a family loan or otherwise received financial help by taking money from family – but your situation has only worsened – what should you… Continue reading Repaying Family Before Filing Bankruptcy

What is Debt Negotiation?

Negotiating a Settlement with Your Creditors When you find yourself overwhelmed with debt, bankruptcy is not your only option. Debt negotiation can be a powerful tool to reduce and eliminate debt over time, improve your credit rating, and get your financial situation back on course. It is often possible to negotiate a settlement for less… Continue reading What is Debt Negotiation?

Foreclosure & Mortgage Delinquency

Late Mortgage Payments and How to Deal with Them When you fall behind on your mortgage, staying in your home may not be possible. You may be able to avoid foreclosure, for example, but have to walk away from your home. Of course, the ideal situation is one where you are able to resolve your… Continue reading Foreclosure & Mortgage Delinquency

Mortgage Modification

Struggling with a Possible Mortgage Default? It happens every day across America: people struggling to pay their home mortgage look into a modification loan to reduce their monthly payments. Ironically, the bank tells the struggling homeowner that they can’t be helped unless they fall behind on their mortgage. Once the homeowner falls behind, they often… Continue reading Mortgage Modification

What is the Statute of Limitations

When it comes to Credit Card Debt? If you have old debts, you may be wondering if a creditor is able to collect on them.It is true that debt collectors have only a limited number of years in which to take legal action and sue you to collect. This is known as the “statute of… Continue reading What is the Statute of Limitations


How Your Property can be affected by Cross-collateralization Agreements Cross-collateralization sounds like a frightening legal and financial term. What is it? Simply put, it is the use of one piece of collateral to secure more than one loan. When you apply for a new loan, then your credit union or bank may use collateral that… Continue reading Cross-Collateralization

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