Ever had a Black Friday Hangover?  A Black Friday Hangover is when you overindulged on so many seemingly great deals that you ended up overspending and now dread the ensuing financial headache.  There are ways to enjoy Christmas shopping and avoid the hangover but you must be diligent and remember the magic word:  ”No”.
1.  Just say No to Store Credit Cards

Ever had a Black Friday Hangover?  A Black Friday Hangover is when you overindulged on so many seemingly great deals that you ended up overspending and now dread the ensuing financial headache.  There are ways to enjoy Christmas shopping and avoid the hangover but you must be diligent and remember the magic word:  ”No”.
1.  Just say No to Store Credit Cards

A topic of much concern is liability in a residential mortgage foreclosure in Florida.

In the origination of a typical residential mortgage transaction, there are two instruments - the promissory note and the mortgage. The promissory note documents the actual terms of borrowing and the mortgage provides for a lien on the real property to secure the debt of the promissory note.

A significant consideration in filing your bankruptcy case is "venue" -- that's legalese for the physical location of the court in which you file.

It's a powerful feature of bankruptcy -- especially for business bankruptcy cases under Chapter 11 - that you may be able to pick the court, and that, in turn, can have a bearing on the legal outcome.

A significant consideration in filing your bankruptcy case is "venue" -- that's legalese for the physical location of the court in which you file.

It's a powerful feature of bankruptcy -- especially for business bankruptcy cases under Chapter 11 - that you may be able to pick the court, and that, in turn, can have a bearing on the legal outcome.

I am frequently asked whether or not you have to surrender your tax refund if you file for bankruptcy.  While that topic is addressed in a different post, the popular and appropriate follow-up question is what to do with the refund once it is received.  Though you have to be careful if you spend large amounts of money prior to filing bankruptcy (you don't want to give out a gift or pay back a family member or friend), the court understands that you have to pay an attorney to file your bankruptcy

I had to smile when I read the news that the banks were now lobbying to keep former Harvard bankruptcy professor and Senator-elect Elizabeth Warren from getting appointed to the Senate banking committee.

Lobbying is not cheap. It runs into the millions of dollars for a campaign. And, like most good businesspersons, I am sure the banks did some cost-benefit analysis in making this decision.

I had to smile when I read the news that the banks were now lobbying to keep former Harvard bankruptcy professor and Senator-elect Elizabeth Warren from getting appointed to the Senate banking committee.

Lobbying is not cheap. It runs into the millions of dollars for a campaign. And, like most good businesspersons, I am sure the banks did some cost-benefit analysis in making this decision.

Q:  I keep hearing about debt settlement companies.  Are they a legitimate way to avoid bankruptcy? – John L.

Q:  I keep hearing about debt settlement companies.  Are they a legitimate way to avoid bankruptcy? – John L.