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No one likes going down Memory Lane to recall regrets but as we get older and wiser most would say that the greatest learning experiences are revisiting past failures or mistakes.

Every day I speak to someone who has student loan issues.  More recently, I have people coming in asking what they can do once their IBR (Income Based Repayment) plan ends with the federal government.

Bloomberg news is reporting that retail stores such as clothing stores, electronic sellers, and department stores are filing for bankruptcy protection at a record place in 2017. The rise in filings is attributed to a drop in traditional walk up retail business due to online retailers.

According to legal publisher LexisNexis, approximately 45% of those living in the United States have a Will.  This is actually a pretty conservative number as other studies show numbers are even lower.  Younger people are even less likely to have a Will than older people.

I have written before on Puerto Rico’s financial situation and the possibility of a bankruptcy filing.  Now, the island has effectively filed for bankruptcy.  Earlier this month Puerto Rico sought relief under Title III of a federal law called the Puerto Rico Oversight, Management, and Stability Act, or

Many people considering bankruptcy relief are aware or soon learn that student loan debt is non-dischargeable in bankruptcy.  This is true for both federally guaranteed student loan and student loans issued by private lenders and has been true for many years.  Student loan debt has exceeded credit card debt in this country for several years now.  Currently it sits at approximately

We have a high school senior this year and with graduation festivities around the corner, our focus has been how will be pay for college for our daughter the next four years!  Whether your student has applied for scholarship opportunities or not, you need to be aware that there are school-based financial priority deadlines for Alabama’s four-year colleges.

In previous blog entries, I have detailed the Department of Justice's (DOJ's) corruption case against Kentucky attorney Eric Conn, Huntington West Virginia Office of Adjudication and Review's (ODAR's) Administrative Law Judge (ALJ) David Daugherty and Dr. Alfred Adkins for allegedly conspiring together to defraud the U.S.

I attended a meeting last week and I made the comment that I was seeing more and more consumers who have 8 years car loans.  The response was,  I have never heard of an 8 year car loan.  I began to research how often 8 year car loans are offered and the pros and cons of an 8 year vehicle loan.  The consensus seems to be that in order to finance a new vehicle for a monthly payment that lower income consumers with no