Debt Consolidation Loans: Worth the Risks? You’ve seen the advertisements on late-night TV, heard them on the radio, and even seen them pop up on your Facebook page: companies offering debt consolidation loans that are “guaranteed” to lower your monthly payments and eliminate your debt quickly and easily.  If you

Federal Bankruptcy Laws Article 1, Section 8 of the US Constitution grants Congress the power “to establish … uniform Laws on the subject of Bankruptcies throughout the United States”.  When we hear people talk about “Chapter 7”,”Chapter 11” and “Chapter 13”, they are referring to federal bankruptcy laws, passed by

You’ve seen the advertisements on late-night TV, heard them on the radio, and even seen them pop up on your Facebook page: companies offering debt consolidation loans that are “guaranteed” to lower your monthly payments and eliminate your debt quickly and easily. If you are facing what seems like an

Several Signs Debt Is Taking Over Your Life Debt is a double edged sword. There is the debt that you may need to incur to get ahead, and there is the debt you may incur that can really set you back. You may seek out debt in the form of

The United States is the world’s only developed country not to offer universal health care. No matter what the school of thought is on a solution, most people can agree that the health care system in America is broken. Your family may include one of the 70 million people in

As an adult did you find yourself in some precarious financial predicaments? Did you look back and think, well I wish I had known how to maintain my finances more carefully? If you are one of the many Americans who has thought about this, you may be thinking about how