gweinacker's blog

If you’ve been researching or talking to friends about debt relief options, you may have heard a horror story or two about people who thought they’d finally resolved their debts, only to get hit with a huge tax bill. The story typically goes something like this: 

Most consumer bankruptcy filers have been struggling with debt for at least two years before filing, and a significant percentage report ongoing financial problems for five years or more. If you’re among those who invested months or years in attempting to catch up on debts and find another solution before filing bankruptcy, creditor preferences have probably become a way of life for you.

Hospitals are usually one of the last places a person wants to visit.  It’s usually a relief when a patient leaves and returns home. That is until the medical bill arrives in the mail a few weeks later.  Medical bills rarely end up being an amount the patient expects, as it is virtually impossible to know what the final amount will be until the bill arrives.

It's tax season again, and most of the U.S. will be looking forward to receiving a refund in the coming weeks.  In fact, three out of every four taxpayers will be entitled to a refund, with only about one in five actually owing taxes.

When discussing bankruptcy, you will often hear references to the “trustee of the case.”  The trustee is a court-appointed individual that oversees your bankruptcy case.

While many debtors have an initial fear of the trustee, it is generally unwarranted.  A trustee is not attempting to sabotage your bankruptcy case.  In all likelihood, the trustee would prefer for your case to succeed just as much as you, although your opinions of the most beneficial outcome may differ somewhat.

Purchasing a new car is rarely an enjoyable experience.  Just choosing which car you want is hard enough, let alone dealing with car salesmen, financing companies, and calculating how much you can actually afford to spend.

One of the concerns we often hear during our free consultations at Bond and Botes is how a bankruptcy will affect an individual’s credit score.  Typically, when someone mentions their credit score, they are referring to the FICO score, which gathers credit information and calculates a score that

With Thanksgiving over and Christmas just around the corner, it’s time for many Americans to start thinking about holiday shopping.  The holidays are a time to gather with friends and family and enjoy great food, relax by the fire, and hopefully exchange a few gifts.

Between 2010 and 2018, Wells Fargo foreclosed on 545 homeowners. Not a very surprising fact considering that last year alone there were over 675 thousand foreclosures in the United States.

Throughout the 1970s, the average age of retirement was just under 65. Today, one out of every five Americans over the age of 65 are still working. Even more alarming is the fact that the individuals who have already retired are the ones hurting the most.