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...

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...

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...

5 Reasons Why Debt Negotiation Doesn’t Work

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...