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Why is Bankruptcy Better for Your Credit Score than “Debt Consolidation” “Now I can’t even rent an apartment.” Sam, not his real name, talked to us last month about filing for bankruptcy. He’d been trying to “resolve” his debts through one of the newer debt settlement outfits. He had been paying the Debt Consolidation Company for eighteen months, and his credit score declined. Why was that? Why Debt Settlement/Debt Consolidation Wrecks Your Credit The big idea behind these companies is that you stop paying your debts:  Making your creditors wait for payment encourages them to give you a better deal, in [...]

Merry Christmas from our Family to Yours.

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Motivation Monday! Mo·ti·va·tion /ˌmōdəˈvāSH(ə)n/ noun 1. the reason or reasons one has for acting or behaving in a particular way: "Escape can be a strong motivation for travel" motivation, forces acting either on or within a person to initiate behavior. The word is derived from the Latin term motivus (“a moving cause”), which suggests the activating properties of the processes involved in psychological motivation. Psychologists study motivational forces to help explain observed changes in behavior that occur in an individual. Thus, for example, the observation that a person is increasingly likely to open the refrigerator door to look for food as [...]

"Survival can be summed up in three words—never give up. That’s the heart of it, really. Just keep trying." —Bear Grylls