Collection Lawsuits

Those of us who are working through serious Debt Relief situations are occasionally faced with a Debt collection lawsuit. These lawsuits, while time consuming and frightening to many people, can be turned into part of your Debt Relief Plan.

The key understanding is that in weakness is there strength. Most Debtors have no assets other than “exempt” assets like personal possessions,…

Knowing You are Free

June 19 is a special day in Texas. On that date in 1865 the slaves in Texas found out that the Civil War had ended and they were set free.

Abraham Lincoln had given the slaves legal freedom on January 1, 1863 in the Emancipation Proclamation. The war had ended in April when Robert E. Lee and other Southern generals had surrendered. Yet the slaves in Texas continued in slavery until Jun…

Interest Rates Moving Up

A sharp interest rate increase in June is causing speculation that a long anticipated end to low interest rates is just around the corner.

The benchmark 10 year Treasury jumped by 35%, up to 2.18%, in early June. While the rate itself is still historically very low, the markets have begun worrying that the Federal Reserve “Bond Buying Program”, a thinly veiled effort to print…

Financial Privacy

So now we know that the Government has gotten all of your phone records and is sifting through all of your internet activity. The IRS will now be examining your health along with your money. They’ll also bring in the Labor Department, the EPA, the SEC, and maybe even the FBI if you have the “wrong” political views.

Like the frog that never jumps out of the pot because the heat…

Home Foreclosure Update

New data indicates that the surge in home foreclosures is coming to an end as the real estate market gathers steam.

In the first three months of 2013 sales of foreclosed houses dropped 16 percent from the previous three months and 23 percent from the first quarter of the prior year. Sales of properties prior to foreclosure dropped 20 percent from the previous three months. Together, sales…

Summertime Blues

As Summer approaches people normally begin to think about vacations and travel. But for those on a tight budget vacation dreams often turn into the Summertime Blues.

If your idea is to take that dream trip around the world type of vacation, you’re probably going to be stuck with the blues. But for the rest of us there are many affordable options available to spice up the Summer.

Life after Graduation

Another year, another class graduated.

It use to be that students looked forward with anticipation to graduation as the next step in their Journey of Life. Now many look toward graduation with dread because it means that payments must begin on their Student Loans. Those who are unemployed or underemployed graduate into loan default, but many with decent jobs are also finding that Student…

The Peace of Jerusalem

On May 14 the Nation of Israel will celebrate its 65th year as an independent nation.

The rebirth of Israel after almost two thousand years stands as an amazing fulfillment of Bible prophecy. Numerous scriptures refer to an end time role for the Nation of Israel. Even the date of Israel’s formation can be calculated from the scripture in Revelation 11: 1,2 which speaks of a “42…

Keep Hope Alive

Some years ago we counseled with a young man who considered suicide because of a $5,000 debt. That’s when we learned that its not the amount of debt that matters, it’s the burden of the debt on the soul.

Now we hear that hard economic times are being blamed for a 31% increase in suicide from 1999 to 2010. Since the beginning of the 2008 recession more people have died in the suicid…

Work and Retirement

More and more people are not asking themselves when to retire, but if they can retire.

Most of our ideas about retirement were based on the 50’s industrial model, with a company pension after a lifetime of work supplemented by social security. That model began to break down in the 70’s, as old fashioned pension plans proved to be unsustainable, companies downsized, workers changed jobs…