Those of us facing hassling debt collectors may look forward to new rules governing these agencies.  The Consumer Financial Protection Bureau is beginning to write the first regulations under federal law governing the industry and probing for violations. The 2010 Dodd-Frank Act created the Consumer Financial Protection Bureau.  Richard Cordray, the CFPB’s director recently said, “We will be looking to write some new rules as well as continue to pursue a lot of enforcement work we’ve been doing.” He also went on to say the debt collection business has become part of the lives of the roughly 1 in 10…

In a time of financial woes we are seeing more and more people ask this question.  Unfortunately for some filing Bankruptcy once in a lifetime isn’t an option. There is no limit on the amount of Bankruptcies you can file for in a lifetime.  There are time limits placed between the discharge you receive and a subsequent discharge from another filing. In the case of a Chapter 7 Bankruptcy, you can file Chapter 7 Bankruptcy and receive a bankruptcy discharge once every eight years. A Chapter 13 Bankruptcy does not allow a second discharge within 2 years from the date…

Since most people in this world are not drowning in a bunch of extra cash lying around, we have to learn how to save and budget our money.  The following five tips will help you enjoy the pleasures of life while sticking to a tight budget. Plan out your life.  Decide what is most important to you.  Do you want to have the latest technology?  A decent amount of toys, such as, boats, cars, and quads?  Or do you want to live in a nice home, located in a safe neighborhood?  Whatever the case, you need to learn to have…

You might be thinking it is a bad idea to have a credit card after bankruptcy.  However, even though credit cards could have been your reason for filing bankruptcy, they are essential to use after this process in order to begin restoring your credit. Lenders, landlords, utility companies, insurance companies, and employers can look at your credit score to determine the amount you will be paying for loans. Since bankruptcy can destroy your credit score, it is necessary for debtors to restore their credit score.  If you don’t have a card, it will be impossible for you to score points. There…

The last thing you want to be thinking on your vacation is: “I’m sinking in an ocean of debt.”  This will only create more anxiety for yourself.  Here are five tips that will help you save money on vacation. Skip the Hotel.  Paying for a hotel or motel is usually the biggest chunk of change you spend on a vacation.  If you will be in the same location for several days or weeks, renting a home or cabin could end up being cheaper than paying the daily rate at a hotel.  It is even more beneficial if you have a…

It might seem impossible to save money when prices are continuously shooting sky high.  The following are five easy tips on how you can save money at home. Cut back on electric bill.  Since electronics absorb energy even when they are off but still plugged in, unplugging your devices when they are not in use can save 5 to 10 percent on your electric bill.  To save power, plug your cords into a power strip and switch it off when your appliances are not being used. Consider a home warranty.  If you are purchasing a home or live in an…

Contact us for more information

(480) 422-3440

Fill out the form and a member of our team will contact you within 24 hours.

We will only use this contact information for a one-time consultation unless you request otherwise. Read our privacy policy.