Hard times are make children less healthy because families are forced to buy unhealthy food rather than no food. A Missouri or Illinois Chapter 7 bankruptcy may be one solution to the problem. Continue reading

Clients often seem more panicked when a collector threatens to ruin their credit. My 15 years of experience has taught me that it is mostly creditors that bother with reporting you to the credit bureau. By the time you are threatened about ruining your credit by a collector, you have probably already been reported. Therefore, it is important to not let this threat make you change your list of priorities… Continue reading

We discussed high and low, but what about those debts in the middle of your list of priorities? Most debts fall into the high or low priority categories but there are a few that squeeze into the middle. Government student loans (not private student loans, those remain low priority) should be paid after you’ve taken care of your high priority debts.

The government, as mentioned in our… Continue reading

Since we have covered the debts that are high priority, which ones can you put down a little lower on your list? Loans that are not tied to your most important possessions can be of lower priority. These loans include credit card bills, doctor bills, store accounts, etc. Because these loans don’t involve any collateral, creditors cannot collect valuable possessions