The Pros and Cons of Chapter 13, Credit Counseling, Consolidation Loans, Debt Settlement and Fiscal Fitness™
“Debt is like any other trap, easy enough to get into, but hard enough to get out of.”
-Henry Wheeler Shaw
Sometimes good people land in bad financial situations due to poor financial habits, or circumstances such as job loss, divorce, illness, death in the family, and so forth. They find themselves with seemingly unmanageable debt, sometimes accumulated over years, at other times, practically overnight, the result of a personal crisis or business loss:
A businessman who couldn’t get the funding he needed to complete an urgent business project when his business partner was hospitalized took out $200k in credit card draws on his excellent credit – right before his business partner died, the economy crashed, and sales went south. Continue Reading »

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My father went on vacation in April with his “little sister,” my aunt Faye (not her real name). She found an incredible deal for a 15-day Panama Canal cruise – 80% off on a trip from Puerto Rico to San Diego. She booked a suite for two on the back of the cruise ship (where they could view BOTH continents from their private deck) and first-class flights for both of them.
Valentine’s Day used to be really hard.
A friend of mine, who happens to be a successful, self-employed business owner, was the victim of financial fraud. Not from a stranger, but from someone he knew very well. 

Happy St Patrick’s Day! I’m part Irish – how about you?
