Few steps to get out of your credit card debt

Credit card debt is a kind of debt that you have to repay after a particular period of time. A credit card is a kind of payment option using which you can spend money, and you have to pay for that expenditure later. The bank will provide you a credit card, and you can use that for making payments. Sometimes, we are unable to pay the money that we have spent through credit cards, and it becomes a debt for us. There are certain ways using which you can get out of this debt. You can quickly know about the ways on https://nationalpaydayloanrelief.com, or you can consult an expert for that.

 If you are willing to take up this thing on your own, you have to follow some steps. The steps will guide you to complete the process accurately. You have to evaluate your finances for checking up the balance in all of your cards or any other source of money you are having. Then, you have to check up on your necessities or expenses that are important to you. After that, create a budget for all of your expenses and how you can save money for paying off your debts. These steps are going to be helpful for you; let’s check them out.

  • Assess your finance and prioritize your spending

 The first thing that you need to do is that you have to check up on all your money stored or saved in different accounts or cards that you are having in the present situations. After evaluating all of your money, you have to prioritize your necessities only. This means you have to look after the expenses which are essential to be made by you. In this, you have to cover your basic needs, pay for the secured debts only, and so on. 

  • Make a budget and trim your expenses 

Creating a budget and trimming up your expenses will help you a lot in saving money for paying your debts. You have to create a budget in which only the necessary things should be added. You have to remove all the expenses that are looking like a waste of money to you. You only have to do follow this path until your debt is paid off, and after that, you can continue the things you like. 

  • Create a strategy and look after your financial habits 

You have to create a strategy regarding repayment of your debt. If you will just save money and wish to pay the debt, then it is not going to work. If the debt is enormous, then you also have to take help from others or ask for any settlement from the banks. In the end, you should cut off your financial habits, which will be proved beneficial for us.

The above-mentioned steps are important for us if we are trapped in a huge credit card debt. The steps are simple, and you can easily opt for them. The steps discussed above are to Assess your finance and prioritize your spending, Make a budget and trim your expenses and Create a strategy and look after your financial habits.

Frog Hunter New Video Slot Game By Betsoft

An addition to the already huge slot games in the BetSoft Library, the Frog Hunter video slot game brings to the fold very exciting mixture of bonuses, features and story line twist. With the an animal, and jungle theme, you are taken to an interesting world of a tropical rainforest frog which not only does it have to a hunter but also has to keep up with the predators.

The Payday Loans McAllen TX will allow you to play at the video slot machines. The reels and symbols at the online video slot machines are unique and impressive for the gamblers. The playing of the slot games is with the correct approach and strategy at online casino.

BetSoft has packaged it in a 5 reel, 5 line structures with the reels cascading from the top of the slot interface. Thanks to Betsoft’s famed technology in the 3D gaming sphere, the slot is also boosted with the powerful graphics that is also backed up by complementary game audio, simply put gaming bliss.

Play Free Here

The Frog will be will be all action jumping on from lily pads hunting dragon flies and warding off a dangerous alligators in order to impress a maiden frog.

Game Features

Unlike most casino video slot games , the Frog Hunter has a bi-directional payout feature where combinations can be created by from either left to right or from right to left. Either way goes and all the player needs to have is 3, 4 or 5 combinations of game symbols for him to win something.

Another game features is that the game comes with the triple and double whereby once you have hit that winning combination you can get yourself an even better payout by either tripling or doubling you winnings. Hit the feature button and you will be presented with a variety of fruit symbols of which when you select you can either draw more coins or nothing at all which will take you back to the main game screen.

Bonus Games

There are 2 bonus games in this rewarding slot game, the Water lily and the Dragonfly bonus games. The water lily bonus game is triggered when a player has 3 lily pad symbols appear on the screen during a winning combination. The Frog will be jumping from one lily to another but there is an alligator on the loose so you better watch out so that the frog doesn’t get eaten up.

As for the Dragon Fly bonus, you get to bring out the hunting instincts of the frog. This is a multiplier game which can triple or double you wager. To trigger the bonus game a dragon fly icon needs to appear next to a frog, male or female. the frog will not spare the dragon fly and this will reveal the multiplier awarded.

Coin Range

The least coin value playable is 0.02 while the biggest coin value is 1 which equates to a dollar. Per line a player can make a single coin bet with the maximum total bets per each spin being 5 coins.

Also included in the game is a turbo play feature where you get to select the game speed thus changing the animations as well as change the game audio.

Improve Credit Scores How To Repair Credit

Once you know your credit score, have targeted the card that is the closest to the limit and begun to pay off the debt to below 30% of your credit limit, you’re ready for the next phase in the get-out-of-debt plan—how to repair credit. In learning how to repair your credit, we’re going to employ a few tricks that you probably haven’t heard of, but that all consumers have at their disposal to improve their credit scores. If you’re already in debt trouble it’s going to require a little bit of patience, and a whole lot of discipline, which is exactly what you need in order to stick with your program of repairing your credit and possibly even getting completely out of debt.

How To Repair Credit

Always remember that maxing out your balance leads to lower scores, so the first step to repair credit is to pay off all of your credit cards, and maybe even close one or two accounts to reduce the amount of debt that you can borrow. You’ll want to close your newest credit accounts as opposed to the older credit accounts as we will see in just a little bit. But once you have your cards paid down to reasonable levels be sure that you use your cards very gently each month. Again, it’s best if you pay your cards off every month when the bill arrives as well as never charging more than 30% of your maximum credit limit at any time in every 30 day cycle.

It is this 30 day cycle that will decide whether you are going to turn to the International Debt Collection management for financial help or not but there is no problem if you can pay your bills on time, which again can be done in the best way through cards as it will be easy to manage the transactions without any hassle.

Next, be sure that the credit bureau is aware of what your actual credit limit is. Even though your credit limit may be $5000, that doesn’t mean that your lender has actually reported the information to the credit bureaus. In these cases the credit reporting agencies will take the maximum amount you’ve ever charged on the card and report that as your credit limit. So if you have a $5000 credit limit that the bank has never reported and you’ve only ever charged $2000 on the card, the credit reporting agency will send the $2000 as your credit limit. You may very well be using less than half of your credit limit at any one time, it’s just that the credit agencies don’t know that.

While there are a few card issuing agencies and banks that never report credit limits, such as American Express, most credit card lenders will report your credit limit to the credit reporting agencies when requested to do so. By using your cards very gently and making sure that your credit limits have been accurately reported to the credit bureaus you should be able to begin repairing your credit scores fairly quickly and easily.

Different Types Of Secured Loans – What Are The Different Types!!

We all live in a world with a very unpredictable economy, and that’s why it’s advised that we try to save some of the money that we earn in order to face any hard times we might have to encounter as time goes by. Sometimes it happens that people are in a dire need of money, and they can’t get it from any other source, and that’s when they apply for a loan. Loans allow people to have money, which they can use to solve a problem that they are facing or use it when they are short on cash and then pay the loan back according to the payment plan they have agreed upon. When you are out to apply for a loan, then you need to know which type of loan you are applying for and what benefits it can offer to you. Nowadays, there are a lot of things for which you can get a loan for. You can get a personal loan, a home loan, a student loan and even a car loan, depending on your needs. Here you will get to know about the different types of secured loans you can apply for and what things you need to keep in mind when you are applying for them, in order to make the whole loan process easier for you.

Florida Title Loans are offering different types of loans to the people. The process is simple and easy to follow. The application for the car loan will require fewer documents to get the loan. The availability of the loan amount is available both in cash and in the bank balance.

Secured loans

A secured loan can be defined as a loan which is secured, meaning that you have offered some kind of collateral when you apply for a loan. There are different types of secured loans which you can apply for, depending on your needs;

  1. Secured Personal Loan

You can apply for a secured personal loan when you are in dire need of some money. Sometimes people find themselves in an emergency, and that’s when they require money as fast as they can. Applying for such a loan means that there will be a lower interest rate. You can even get such a loan even of your credit isn’t that good.

  1. Secured Home Loan

We all want to live in the house that we like, and we are sure will be comfortable for us. You can apply for a secured home loan depending on your credit history, your job stability, your monthly income and the debt to income ratio. These loans can allow you to buy the house that you like, as it will serve as the collateral, and you can begin your new life.

  1. Secured Student Loan

Education is a must in the world that we live in. A good education means that people have a higher chance of securing a well-paying job. However, getting education can be hard for some people and that’s why they can apply for secured student loans in order to pay for their education or other expenses. After you have completed your education and have found a job, then you can start repaying the loan that you took.

  1. Secured Business Loan

Many people have the dream of starting their own business, but it’s not as simple as it might sound. People need money in order to set up a business, and that’s why they can apply for a secured business loan to get the money that they need. You can use this loan for creating a new business or for expanding the business that you already have. The monthly payments and the loan that you are able to get, depend on the potential your business has.

  1. Secured Car Loan

Getting a car is a necessity for a lot of people as it can help make their lives easy. When you have found the car that you like, then you can apply for a cheap secured car loan in order to pay for the purchase that you made. The car that you bought will act as the collateral, and you can keep making the monthly payments that you agreed upon.

  1. Home Improvements Loan

When people buy a house and as their family grows or their situation changes, they sometimes feel that it’s time that they upgrade the house they live in. They can easily improve their living by applying for a home-improvement loan. You can apply for a full loan, or you can consider improving your house in phases. It all depends on what you are comfortable with.

Now, that you know about the different types of secured loans, you have a better understanding about what type of loan you should apply for, regarding the situation that you are in. There are a few things which you need to keep in mind when you are applying for a secured loan. You need to research, which means that you have to look at all the offers, which can be provided to you. Don’t approve of a loan offer which you immediately get. You need to first look at what’s present in the market and then make an informed decision about which loan you should apply for. Always read the contract carefully as you have to make sure that you won’t be facing any surprises when you start making your monthly payments in order to pay off the loan.

Situations Short Term Loan

Inevitable and sudden financial needs arise. No matter how you avoid it, research best personal loans, there would always be an emergency or unplanned situation when you would need extra cash. Unfortunately, there is no guarantee that you would always have enough amount of money to spend. Your savings may still run short and be insufficient to cover all your financial requirements.

It is a good thing that there are now numerous short-term loans that are available from various lenders and non-traditional loan providers. This means you would have enough options so you could choose the products with the most competitive interest rates and best terms. The loan amount may also range from small to huge.

A short-term loan is best for specific situations. Here are five logical reasons to apply for and obtain a short-term loan.

  1. Undertaking home renovations.

You might need to make some minor renovations or improvements in your home. If you don’t have enough savings to fund the project, obtaining a short term loan could be an ideal option. It is also best if you need to make home renovations because you intend to put up the property for sale. You may not be able to sell it at a fair price tag if it has pipe leaks, damaged doors, or cracked floors.

  1. Paying for children’s school fees.

Sending children to good schools could be costly. You may experience running short of cash because you also need to spend for other necessities at home. Many consumers take short term loans to pay for their children’s tuition fees and other education expenditures. You may consider it a necessary and long-term investment.

  1. Funding investments.

Everyone would surely agree that the best reason to obtain and take a short term loan is to fund an investment. You may invest in stocks, buy a small property, or establish a small home-based business. It is undoubtedly ideal if you could quickly generate profits from your investments so you could make sure you would have enough money to repay the amount.

  1. Consolidating debts.

Another ideal reason to take a short term loan is to consolidate debts. You would surely benefit from consolidating all your existing loans into one financing product. It will not only save you interest costs; it could help you better manage your debts because you would be dealing with only one creditor/loan provider. Thus, you may say goodbye to any possibility of forgetting to pay monthly dues. This strategy could also help boost your credit rating.

  1. Paying for unexpected medical expenses.

If you or someone in your family suddenly falls ill, you may have to produce a huge amount of cash to cover possible healthcare expenses like medical checkups and hospitalization. A short-term loan could be a good lifeline because it could provide you with an amount of cash that would be enough to be spent for your medical needs. The process is not tedious and the loan could be obtained in as fast as just a day.

Insurance, particularly inside banking, customarily alludes to made sure about loaning (otherwise called resource based loaning). More-mind boggling collateralization plans might be utilized to make sure about exchange exchanges (otherwise called capital market collateralization)

Business For The Provision Of Cleaning Services

The cleaning staff provides cleaning, carpet cleaning, window washing, and everything else that is associated with purity and restore order. This “dusty” work can bring considerable income if her organization wisely. This page will tell you all about the basic of starting a cleaning business on your own.

To create a cleaning business will need at least 5 000$, and half of them will go on the disk machine that produces high-quality deep cleaning of any carpets. It requires a set of good chemicals and various heads are still $ 500, but to neglect such costs are not worth it.

The good and powerful vacuum cleaner will cost about the same amount, and the purchase of consumables – in the form of rags, sponges, mops, and detergents – about$ 300, and it is only at the initial stage. Given the complexity of the equipment, should take care of its transportation.

It is clear that staff will not transport a vehicle weighing more than 10 kg in public transport, and the tram with a MOP won’t go. Always need transportation, and if more than five teams, the cars should be. Used minivan, able to get around another 5-8 years, will cost 7 to 10 thousand dollars.

The presence of an office cleaning company is a must. And the room, it can be removed and in the center just a small apartment on the outskirts. This must be the first floor with wide doors and low thresholds (for the purpose of quick and easy removal of the equipment).

The office needed not only for presentation but also for storage of inventory and for the “registry” of the staff. It will not be the driver to gather every morning around the city cleaners, and during the holidays – to sit in the car with them.

It is advisable in the office to put an intelligent operator who will answer the phone. Staff – the most difficult part of the organization of the cleaning business. Team, working on a single object composed of 3-4 people. It is noticed that customers like friendly and polite women aged 25-40 years.

Taking into account the weight of the equipment and that the man on this work will find, for each group it is better to attach the foreman, who will bear the severity and monitor the quality of work. The uniform is also better not to skimp: it will contribute to the image formation and talk about the quality of services. And the logo on clothing and vehicle will provide additional advertising.

Workers will clean the offices, where there are material values, so the options are damage you need to negotiate with them directly or will fix in the contract. Usually, everything happens according to the following scheme. The customer calling on the phone, negotiating with the operator the cost and types of work. The team leaves for the place after all the cleaning procedures, the customer is calculated with the foreman.

The services of cleaning companies use and shopping centers, and supermarkets and offices of various companies. With some customers, the cleaners work on a permanent basis. The profitability of the business a few years ago was of the order of 25-30%, but given a large number of young companies and dumping from them, today this figure is twice lower, while the broad wiernosci services – 20%. The payback period of the business for about fifteen years.

How To Set Up A Small Business Accounting Expense Ledger

A general ledger (GL) contains 5 sections: assets, liabilities, owner’s equity, revenue, and expenses. every of those sections could be a separate accounting ledger or book, therefore the GL is what’s observed once talking regarding your company’s books. every ledger book contains many accounts, therefore your expense ledger can contain these accounts: rent, telephone, electrical utilities, workplace provides, and every one the opposite individual classes of expenses you may have in your business.

Outsourcing for accountants in Singapore is the best method to cover the small businesses. The budget of the small business person is less and they can get the benefits from the outsourced services. The hiring of the freelancers will cost cheap for the accounting of the financial statements. 

Instructions

Organizing Your Ledger System

  1. Examine your bank statements and compile a listing of standard monthly expenses, quarterly and annual expenses, and another list of variable expenses like workplace provides, marketing, diversion, and travel. Use these lists in fixing your chart of accounts.
  2. Establish your chart of accounts. the various ledgers in your COA square measure historically numbered as follows: 1000-1999 assets, 2000-2999 liabilities, 3000-3999 owner’s equity, 4000-4999 revenue, 5000-5999 value of products sold , 6000-6999 selling & intangibles expense, 7000-7999 alternative revenues, 8000-8999 body, travel, personnel & miscellaneous business expenses.
  3. The selling & intangibles expense ledger might embrace 6000-6099 general expenses, 6100 advertising, 6200 monetary fees, 6300 charitable donations, 6400 depreciation, 6500 worker edges, 6600 taxes, 6700 insurance. every class are any divided into numbered subcategories like officers’ and directors’ insurance, errors & omissions insurance, insurance, vehicle insurance, and the other insurance you carry.
  4. the executive, travel, personnel & miscellaneous expense ledger might embrace subcategories like 8120 rent, 8250 electric utilities, 8400 net, 8470 phone to phone, 8500 legal, accounting & consultants, 8650 salaries & wages, 8600 payroll taxes, 8700 workplace provides, 8800 repair & maintenance, and alternative expenses of doing business.
  5. Take one in all your current bills, a utility bill. Mark your ledger account variety on it. Look below the executive, travel, personnel & miscellaneous category of your COA and find the 8200 electric utilities category. If you filtrate utilities in your warehouse from those for the workplace and people for the sales room, you ought to create account numbers for every of these categories so your warehouse utility bill could also be 8220, the workplace 8230 and also the sales room 8240.

Alternatives to Traditional Home Financing

It has always been the American dream for many individuals to own a home. Unfortunately for most people, they do not have the credit to qualify for a traditional home loan. There are plenty of ways that you can get inside of a home without using credit. In this article , I want to go over some of the techniques that many people have used and have successfully gotten into their own homes. By the end of this article, you should be able to go out with confidence and find yourself a wonderful home.

Estate Tax Sales

One of the cheapest and most popular ways of getting into a home without traditional financing are estate tax sales. There are plenty of houses in the U.S. where people have not paid there taxes. The government seizes these home and they sell them to any individual that pays off the property taxes and the house is theirs free and clear. The best way to find these sells is to look inside of your local newspaper. The sales are usually held around the month of April and usually at the local court house. You want to make sure you have about $10,000 saved so that you will be able to purchase a house. The only downside to this alternative is that individuals have three years to pay back the taxes on the house. The upside to this is that you receive your money back with interest. Some alternatives can be checked through the people available at https://promogreenloansvip2.com/ site. The checking of the contract with the promo code is beneficial for the applicants. The promo code will help the applicants in reduction of the money that is required at the platform to get the loan amount. 

Lease Option

Another alternative to traditional financing is to do a lease option. A lease option is a lease agreement on a house where the person who is renting the house has the option to buy the house in the near future. What makes this such a great alternative is you do not need a credit check to actually make this happen. Another reason why this is such a good alternative is that all of your rent payments will go toward the purchase of your house and you will not just be throwing your money away. You want to make sure that all parties are in agreement and you want to make sure that you follow the lease to the letter. One good way that you can make sure that the seller will sell the house to you is by actually paying your payments on time. Defaulting on your payments will make the owner think that you will not be a good candidate to buy his or her home.

Owner Financing

The Last Alternative that I would like to go over is owner financing. Owner financing is when the owner holds the note to the house you are buying and you make the payments to the homeowner and not to a traditional bank. The reason why this alternative is good because they do not have to check your credit. The homeowner may also become more lenient on the terms if it is in his or her best interest.

Owning a home can become a reality regardless of past credit problems or bad history. Use some of the non traditional methods outlined in this article and you will be on your way to owning your own home.

Ways To Save Money Online

WARNING:

this article is not for those who don’t trust ordering online due to identity theft or are not internet savvy, but for the rest of the population here are some tips that I find actually work:

Use cashback sites

Sure, signing up for these websites can add tons of junkmail to your inbox but it’s well worth it if you can amass upwards of $100 per month. Even if you don’t utilize it, you normally get a $5 bonus just for signing up. It’s only one extra step beyond your usual checkout process-all they ask is that you go through their website first. Not that bad an inconvenience. It may also take 2-3 months to receive payments and there are occasional glitches, but you can’t lose out on money you never had.

Use coupon sites

Before making any online purchase, I always search the net for any code I can enter to reduce the price. This is particularly beneficial when you can combine them with cashback sites. There are tons of coupon sites out there so you just have to do your homework. Be wary of the restrictions and expiration dates. Note:certain websites are slow in updating their sites so you can often use them even after the expiration date. Also, look at message boards to see what others post. Just make sure there are coupons out there before purchasing so you don’t leave any money on the table. For saving money in online marketing at Evergreen Wealth Formula review, the use of the terms and keywords should be done excellently. The delivering of the correct information is there to get effective benefits to manage the promotion and advertising.  The tight budget should be prepared for spending of the money.

Purchase an item online instead of at a store.

Certain stores offer discounts and greater price markdowns if you go online and use their store discounts. Department stores are particularly good at this as they try to encourage more online commerce. Also, if you don’t see an item online that you noticed at the store, they’ll often let you exchange it for that item if you buy an item with the same retail value. Some will say that this creates an unnecessary step of going to the store but I look at it this way: it’s stil one step. Instead of going to buy an item you’re going to return one. Much less enjoyable, I know, but still the same amount of travel time.

Search for printable coupons

Many sites offer printable store coupons especially during the holidays. All you need is a printer and you’re all set. This is also good for people who like to see/touch what they purchase beforehand. Outlet malls are big on these programs so sign up for any promotional memberships from the stores that you shop at the most.

Sign up for store programs

Again, with the right store, this has the potential to reap many rewards. Apparel and shoe stores have programs that let you accrue points for repeat business.

These manifest themselves in the form of gift certificates to their stores or e-coupons or emails letting you know of advanced sales.

Also with certain stores, if you make purchases within 60 days of one another, you can get additional discounts for each subsequent purchase.

Overpurchase

Some online stores like to offer you free shipping or free return shipping or both. Use that to your advantage. When I’m not sure what size or colors to order I often purchase multiple sizes or colors of same item. Then you can try items on in the comfort of your home (without those deceptive mirrors) and send back the ones you don’t want. If free returns are availlable, just box it up and ship it back if you’re too busy to make a trip. If they have a brick and mortar store, bring it there to refund instead to ensure faster credit to your card. Also, you save time as most return lines are significantly shorter than the checkout lines. Always check to make sure this is an option since some retailers and their websites are a separate entity.

Price match

This one is pretty self-explanatory. Make sure of the store’s policy beforehand to see that you are within the timeframe beforehand. Sometimes, you can even find a store with the highest price, purchase it, then price match at a greater savings rate-usually 110%. For example, let’s say the item costs $50. The lowest price you find is at $40. If you price match at this rate, you’ll get $11 refunded to you. However, if you find a price match store that sells it for $75 then the refund to you will be $38.50 for an extra $1.50. Make sure of two things though. That the price plus shipping is the lowest price and that the year and model number match-otherwise the retailer will choose not to honor anything for those two reasons.

Shop with a friend

Many online retailers offer buy one get one half off promotions. Much like buying at wholesale stores, buying in bulk works better in numbers. Just get a trusted friend or family member to join in with you before purchase and then the savings will increase for both parties. Shoe stores or sporting goods are notorious for these programs so utilize them to your advantage.

If you follow a few of these money saving tips, you will be able to have more left over for this season’s holiday shopping.

Coping with Financial Loss when Bankrupt

When I recognized that my bankruptcy clients appeared to be engaging in grieving behaviors, I consulted with Sameet M. Kumar, PhD, author of “Grieving Mindfully: A Compassionate and Spiritual Guide to Coping with Loss.” My suspicions were right — all types of loss, including financial loss, trigger the five stages of grief. All the financial loss will be recovered with the help of bankruptcy lawyer san diego. There should be disclosing of all the facts to the lawyer for the winning of the lawsuit. 

Interestingly enough, when my clients understand this emotional process they move through each stage more quickly. Hopefully, the description of the five stages of grief and typical reactions below will help you recognize that while you feel bankrupt in more ways than one, your life will not only improve, but thrive as well.

Denial or “This isn’t happening to me” stage. The first stage is often triggered when a setback such as a job or financial loss occurs. Not wanting to face a lifestyle change, decisions are made based upon false hope. This is when bankrupt clients make the mistake of dipping into their retirement funds to pay house payments and other bills. The problem is that these funds can often be protected and are needlessly wasted as a result – yet another financial loss.

Anger or “I could have done something differently” stage. It is hard for a bankrupt client to watch the life that they built disappear. While the economy is the biggest factor in most client’s financial losses, clients tend to direct their anger on themselves. At this stage, they often believe that they could have done something differently to prevent the bankrupt status and resulting financial loss.

Bargaining or “Tell me what I need to do to fix this” stage. This is the stage my clients are often in when I first meet them. They are looking for answers. They want to know how to hold onto their lifestyle even though bankrupt. Working together, we assess the options available while focusing on setting aside the emotional aspects so that they may make sound, objective decisions. Most importantly, explaining the cycle of the grieving process helps many to step back and look at their situation realistically. It frees them to begin taking productive steps forward, leaving behind the financial loss.

Depression or “I’m facing reality and I don’t like it” stage. After first meeting my clients, they usually take one to six months to consider their options. During this time, I often field telephone calls and answer questions about the options we discussed. It is an important part of the process that cannot be rushed.

Acceptance or “I’m ready to put this behind me and move forward” stage. When my clients are ready to proceed, the difference in their demeanor is almost magical. The bankrupt depression is gone and they are upbeat. They see the possibilities in a new, debt-free life. Accepting the bankrupt status, they take the steps necessary to free themselves of the stress that comes with financial loss and the burden of the grieving process.

When asked why I find representing bankrupt clients rewarding, I explain that I find pleasure in knowing that my clients emerge from the financial loss as whole, emotionally healthy people who are not only wiser, but appreciative of their new, saner lifestyle, as well.