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Why do clients end up in my office every day?  Today, a client told me it started innocently with a t-shirt.  He was in college and offered a credit card with a $200 limit.  How much trouble could he get into with that small of a limit? Well, about twenty years later, that credit card debt grew and grew and snowballed into a lot more.

The Federal US Bankruptcy Code section 525 (a) prevents the government from discriminating against a person for filing a bankruptcy petition.  This section establishes the following (in part): “a governmental unit may not deny, revoke, suspend, or refuse to renew a license, permit, charter, franchise, or other similar grant to, condition such a grant to, discriminate with respect to such a grant against, deny employment to,

Up until I read this story, the answer has always been an emphatic yes. I will amend my answer to say yes in all but the most unique of circumstances.

Did you receive a tax refund this year?  How did you spend it?  The average refund this year is approximately $3,000.00.  A recent article from CNBC offers advice on how we should spend our refund.  They offered a list of nine ways to get the most out of your 2016 tax refund.

According to a recent story in the New York Post, half of the working families in the United States are living pay check to pay check.  Living this way may work for a while or even a long time; however, the problem it presents is the inability to effectively cope with an unexpected crisis.

According to a University of Colorado Denver study, there is a direct link between an increased risk of death and financial strain.

Spring is in the air (along with all the pollen that it brings!), but that also means that Tax Day is fast approaching!  Tax Day, the day your income tax returns are due, is April 15th of each year.  This year, however, everyone will have 3 more days because of how the date lines up with the weekend and a federal holiday.

If you are part of a student loan forgiveness program that will forgive your students loans after work in public service, you should pay close attention to this emerging story.  More than 550,000 borrowers have signed up for the program, but now some are wondering if the government will hold up its end of the bargain

As of March 24, 2015, the VA (Veterans Administration) implemented a new regulation requiring that all VA claims be filed on standardized forms. The VA will also no longer accept informal claims in order to establish a claimant’s effective date for benefits. Federal Register rule changes were announced here: Standard Claims and Appeals Forms; Final Rule