If you ever hope to get out of debt you must have a debt strategy. Worry alone will not change your situation. But before you can even put a debt strategy together, you need to really understand what your debts are, what type of debt you have, and what approach you should take for each of them. How Much Debt Do You Have? This should be a gimme. But in a surprising number of cases when I meet with people they really have no idea how much debt they have. Usually [...]
Debt hurts. It hurts your pocket book. It hurts your relationships. It hurts your mental well being. It hurts your confidence. The price you pay for your debt is not only that monthly minimum payment on your credit card or the giant mortgage payment; the true price is often paid in the collateral areas of your life. In my bankruptcy/consumer law practice I see the negative impact debt has on family relationships. After bankruptcy consultations with married couples it is not uncommon for one spouse to start blaming the other [...]
Since the launch of this new website I get several emails each day from people who are being sued by Midland Funding, LLC and aren’t sure what to do. Every now and again I would like to take a few of these questions and answer them here on the blog. Again, my disclaimer, while I am an attorney I am only licensed to practice in the state of Arizona. I don’t know the specifics of your case and thus can’t give you legal advice as to what you should do. [...]
I know that it is impossible to answer this question. There are thousands of judges in various courts around the nation, not all of them deal with consumer debt issues, and generally the specific facts of a case will guide the outcome. However, lately I have had a few experiences in trials that have given me a fair amount of dismay as far as the attitudes of some judges towards consumer debt collection lawsuits. In the state where I live, many of the lawsuits dealing with credit card debt and [...]
You can admit it. If you have recently been sued or are enduring non-stop collection calls you are probably nervous or outright terrified about what the future holds. Visions of wage garnishments, lawsuits, and losing everything you own are probably keeping you up at night. And if truth be known, the real reason you are scared is because you aren’t really sure what is going to happen and what, if anything, you can do about it. Back when I was in college I played football. The stadium we played in [...]
When I am not working as a bankruptcy attorney or fighting debt buyers like Midland Funding in court a lot of my time is spent working on my hobby farm. Right now we have about 20 chickens and a few cattle. Chickens for the most part are mindless birds who do things like eat their own eggs, poop everywhere, and flee at the slightest sense of danger (being that low on the food chain must be stressful). I have noticed that when I go out to feed them they will come [...]
Last Friday my article on a recent victory against debt buyer Midland Funding, LLC was picked up by the Collection Industry News (“CIN”), a website that provides news and headlines for those who work in the debt collection industry. While the debt collectors of America are not my target audience it is always nice to have new readers to my blog. And then the comments started coming in…below is an anonymous comment I received after my article was posted at the CIN website: “What is really disturbing is that scumbag abulance [...]
There you are, in the hospital, you come out of surgery hoping to see your loving family there to support you, but instead a debt collector is there asking you when you are going to pay your bill! It sounds stupid but that apparently is a new tactic being used by medical debt collector Accretive Health. In recent article in the New York Times it has come to light that Accretive is sending is collection agents into hospitals to harass consumers for payment, even going so far as to embed [...]
When it comes to hiring a bankruptcy attorney you have a lot of choices out there. No doubt that prior to finding my website you surfed through various bankruptcy attorney’s websites and have read what they have to say…so why should you hire me?
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We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code. The services, benefits, or assistance we provide in connection with consumer debts may involve bankruptcy relief under the Bankruptcy Code.