You Don’t Have To Believe Just Us on Debt Negotiation
Almost a year ago, we posted an article on how we believe that debt settlement, also known as debt negotiation, just doesn't work. Turns out you don't have to take our word for it. The very respected consumer site Nerd Wallet (definitely follow their stuff) has pretty...
Surprise Medical Bills: The Reality not the Hope
Ok, sorry to beat the drum here. I know I promised an update on rent-to-own contracts, but I keep getting sucked into this surprise medical bills issue. It really galls me. We try to encourage folks to take advantage of their fresh start in bankruptcy by making good...
Surprise Medical Bills Are Being Outlawed, But Not In Colorado
OK, we've blogged about before. Surprise medical bills. Check our last post to get the full story, but here's the short version. You go to the emergency room at a hospital your insurance says is in-network. Two months later you get a bill from a radiologist or...
How Bad A Deal is Rent To Own Really? – Part 1
Almost every consumer advocate out there talks about what an awful deal rent-to-own contacts offer buyers. Folks from Consumer Affairs, to Dave Ramsey, and others tell stories of unscrupulous sales people, 300%+ interest rates, total purchase costs at 2-3 times...
Another Way The ER Bill Traps You
Ironically, we covered surprise ER bills pretty recently. Turns out there's another way that folks are getting hit hard in the wallet after surviving an emergency. Some people may not know this, but most physicians in the ER actually don't work for the hospital. They...
5 Reasons Why Debt Negotiation Doesn’t Work
Ironically, we covered surprise ER bills pretty recently. Turns out there's another way that folks are getting hit hard in the wallet after surviving an emergency. Some people may not know this, but most physicians in the ER actually don't work for the hospital. They...
3 Steps to Simplify Your Chapter 7 Bankruptcy
Why shouldn't I just renegotiate my debt? This other lawyer says he can lower my payments and get me out of debt without filing for bankruptcy. We hear this all the time during our free initial consultation with new clients. To be honest, it might work for you. But...
Colorado Needs to Update the Homestead Exemption
5 Steps to Dealing With Unexpected Emergency Room Bills
There are always topics in bankruptcy law to complain about, especially exemption amounts and allowed exemptions. I find two exemptions in particular most aggravating and unfair for consumers. I cover the first and most common here. Homestead Exemptions Should...
When Can I File Another Case?
Oh no! Your 8 year-old son just fell on the playground at school and hurt his arm. You aren't sure if it's broken, but he's in a lot of pain and can't stop crying. You dutifully inform your boss that family calls, and you need to leave. You pick up your son from...