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You have questions, we have answers: Don’t I have to give up everything I own if I file for Bankruptcy?

Absolutely not! North Carolina and Florida law set up exemptions that will protect your assets from creditors. We will determine if you can keep everything you own under NC or FL law before you file for bankruptcy protection. Most of our clients who are eligible for Chapter 7 bankruptcy are able to keep everything they […]

You have questions, we have answers: What will bankruptcy do about the collection agencies that keep harassing me?

Leave a debt unpaid long enough and chances are you will receive multiple daily reminders of the unpaid balance, late fees, accruing interest and potential legal actions that will be taken against you. It is stressful enough to know that you aren’t able to meet a financial obligation, but add unsavory collections practices to mounting […]

Financial New Year’s Resolutions for 2021

One month into the New Year and hopefully you have used the past few weeks to adopt (and stick to!) some new financial behaviors that are already positively impacting your finances. As Colleen McCreary observes, “This last year taught us how important it is to have a handle on our finances in the event that […]

Looming Rent Crisis?

“According to the most recent Census Household Pulse survey, a staggering 10 million plus households in the United States, nearly one-fourth of the nation’s renters, are behind on rent.” What does this mean for landlords and renters going forward? Irina Ivanova explores the implications.

You have questions, we have answers: What can a creditor do to me?

Debt collection is a multi-step process: Creditors can contact you to collect on a debt, but keep in mind that they may not make any idle or illegal threats – such as throwing you in jail, reporting you to social services, or taking belongings that aren’t connected to the debt itself. They can sue you […]

Are your goals SMART?

One good way to plan for a purposeful year is to set goals that will enable you to accomplish the vision you have for your year ahead. Make sure your goals are SMART: Specific: General goals are good start, however try to make goals as specific as possible. Measurable: Goals must be measurable so you […]

Where Will 2021 Take You?

Happy New Year! We sure were happy to officially say hindsight is 20/20 (or 2020!)! The new year holds all sorts of possibilities for the future, but this new year has us especially hopeful that we may be able to travel just a *bit* further than our own kitchens and living rooms. With COVID-19 cases […]

Cleaning up your money – and your diet in 2021

Happy 2021! Hard to believe, but we’ve made it to the beginning of another year – and another decade! 365 new days; 365 new chances. At this time of year, people all over the world set up aspirational goals for their year ahead. Each of us on our own unique path, but somehow interconnected in […]

A new, New Year

I think everyone will breathe a collective sigh of relief when 2020 is finally over, however the harsh reality is that these unsettled times seem like they just may hang around for a little while longer. That doesn’t mean we should stop looking at the bigger picture though. Eventually, this too will pass… And making […]

3 Steps to a More Joyful Christmas

Report after report have surfaced in recent weeks touting the record setting amounts spent globally during Black Friday this year. In a matter of days, even in the midst of the ongoing COVID-19 pandemic, billions upon billions of dollars were spent. I love a good deal as much as anybody, but before you are enticed […]