Currently Browsing: Debt Management

What Do I Do When Someone Owes ME Money?

            It’s an uncomfortable position, when someone owes you money. Not only is the relationship likely ruined, but it even affects the relationships around the person. I had a client whose entire ...

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Your Credit Cards are Manipulating You…and How to Cut the Cord

It’s human nature to get emotionally attached to objects. Maybe for you it’s a seashell from your honeymoon thirty years ago. Or perhaps the tiny pink cap that your first child wore home from the hospital. For some, it’s that ...

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Three SURPRISING things that Affect your Credit Score!

   Credit is a game. Nowadays, each credit bureau can issue you a score, along with the traditional FICO score. But some things are certain: credit card debt affects credit score, positively and negatively. But did you know that there ...

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I Have a Court Date…What do I do?

     When you receive paperwork instructing a court date, it can be disorienting. Like a car crash, the police are involved, and there is suddenly paperwork that you need to do without any accommodations to your already busy life. ...

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Negotiating Debt on your Own: Know the Risks

     For some, negotiating a credit card debt or a hospital bill is like the blind date from Hell. It’s a stressful and sweat-inducing situation. You never know if the person on the other end will be nice or a complete ...

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Can I Own a Business with Bad Credit?

          Starting a small business is a scary thing. Most data shows that while 80% make it through their first year, only a 1/3 will make it to a ten year anniversary. Despite this, the same reports indicate ...

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How Can I Keep my Credit from Preventing Me From Moving?

     I’ve heard the scenario a thousand times and I’ll hear it a thousand more: “I want to move out of my crummy apartment but my bad credit is stopping me!” In Chicago, rental companies tie credit to ...

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Will Paying My Debt Help My Credit Score?

     Will Paying My Debt Help My Credit Score?   We’re raised on a few simple rules: Never talk to strangers. Eat your vegetables. Pay your debts. Nowadays though, we have strangers driving us around in random Honda ...

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Is it Worth Settling My Debt to Avoid Bankruptcy?

     Bankruptcy seems like a great idea but most people are scared of the “consequences.”  “It’s on my credit report forever.”  “I’m not allowed to have credit ...

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I've Been Sued, What Do I Do?

        What do you think of when you hear the word “lawsuit?” Maybe a couple of boring guys in suits, or a scary and impending judge banging his gavel across a desk. Maybe you see famous attorneys like Perry ...

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