Chances are, that you either know someone who plays poker at someone’s home, or underground gambling club, or you have done this yourself. With the state of the economy now, its likely that there is more money being made now in the underground economy through illegal card games than ever. Most cities have literally countless […]

With the steady downward trend in the economy, it is becoming insanely hard to find work of any kind. “Looking for a job” leaves you, ultimately, at the mercy of others. The best solutions for many of us is to find ways to freelance at jobs that pay cash. Each one of us has something […]

As many of you are no doubt intimately aware, there is a looming student debt time bomb, which, in Canada, was made worse by the government’s removal of the option of bankruptcy for 10 years in the late 90s. However, as recently as July 7, 2008, there are new student loan bankruptcy laws. The two […]

According to The Wall Street Journal staggering record number of 1,530,078 bankruptcy filings were completed in the USA in 2010, which is an increase of 9% from 2009. Financial experts expect that number to climb even higher in 2011. With these kind of statistics, the real fear for many lies not in the bankruptcy, but […]

Without getting into a discussion of the potential causes, we can see a trend - gas prices are higher than ever and getting higher every year. It is unlikely that this trend will ever reverse itself by any measure if history is any guide. Motorists are more than ever moving to hybrids and smaller vehicles […]

One legitimate way people protect their assets prior to a debt collection is by having them converted into equity in a home in Florida, Massachusetts, Texas, Kansas, Iowa, Minnesota, Oklahoma or South Dakota, because of the large homestead exemptions available in these states.
 
Protecting Assets Through State Bankruptcy Homestead Exemptions
 
In these states, creditor exemption laws […]

These days it seems all of us know someone who is on the verge of bankruptcy, facing foreclosure or up to their eyeballs in debt. Debt collection agencies are among the few thriving industries. Being faced with losing everything one has to debt collection is a nightmare and in some cases, the debt isn’t even […]

“In our era, man has again become a subject under the watchful eye of government. Guided by ancient notions and prejudices he depends on his rulers for mandates and directives. When government intervention fails to satisfy him, or even works evil, he is slow to relinquish his notions and prejudices. He may cling to them […]

Last year I was faced with tying to lose some 20 pounds I gained while I broke my leg. Working all day in front of a computer in my day job, and not being able to get to the gym, it didn’t take much for the weight to pile on. It was a blessing in […]

In this down economy, with more and more people facing for closures and bankruptcy, business is booming for collection agents, skip tracers and repo men. Assuming that there is nothing at the moment you can do to address your debts, the practical alternative is to avoid them and at the same time, buy some time […]