Courage is rightly esteemed the first of human qualities... because it is the quality which guarantees all others.

Sir Winston Churchill

By lifeguard

Chapter 13 and Second Mortgages

Sunday lunch time , July 12, 2009.

A chapter 13 bankruptcy filing may be the tool you need.

If your property has depreciated…
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Loan Modification Tweeks and Turns

Friday early morning , June 12, 2009.

I found this interview in blogtalkradio quite informative, so I’m strongly recommending all those pondering the…
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What are the Alternatives to Bankruptcy?

Sunday lunch time , May 17, 2009.

As I’ve mentioned before, there’s no shame in filing for bankruptcy, but, if filing can be…
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The shame of having to declare bankruptcy

Thursday mid-afternoon , May 14, 2009.

As I try to approach bankruptcy from different angles to make its options understandable, I’ve come…
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Finding a Job

Thursday mid-afternoon , May 14, 2009.

It’s always useful to have an idea of what to do if you’re out of a…
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Can I use my credit card before filing for bankruptcy?

Tuesday late afternoon , March 17, 2009.

That’s a definite no, no.

Do not use any credit cards after initiating a consultation with…
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How can the cramdown bill help me?

Friday early evening , March 6, 2009.

Update: This bill was defeated in the Senate.

Great news! On March 5, the House approved…
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Citi launches Homeowner Unemployment Assist Program

Wednesday late morning , March 4, 2009.

Great news!

Unemployed borrowers with first mortgage loans owned and serviced by CitiMortgage, who are late…
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I’m not late in my payments, how can I benefit from Obama’s stimulus bill?

Monday lunch time , March 2, 2009.

For those that are in deep waters, facing foreclosure or bankruptcy, check more...

Who do I call ?

Tuesday evening , February 24, 2009.

You have decided to call to try to fix your debt problem.

Before you make any…
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Collection call recording

Sunday late morning , February 22, 2009.

It’s always a good practice to keep good records in your communication with creditors or collectors.


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Is bankruptcy right for me II ?

Monday mid-afternoon , February 16, 2009.

In part I, I stressed the drawbacks of…
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