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How to Build an Emergency Fund With a Small Income

While I certainly don’t agree with everything Dave Ramsey has to say about bankruptcy, he’s got the right idea with putting an emergency fund at the forefront of your financial priorities.  His recommendation of $1,000 isn’t really enough to tackle...

Do I Have to Be Broke to File Bankruptcy?

The answer to this question may surprise you.  You actually do not have to be destitute to file bankruptcy. Ideally, my clients would come to me before the bottom drops out from under them, but many wait until they are almost a year behind on their mortgage payments...

Want to Avoid Bankruptcy? Follow These Steps

Bankruptcy allows thousands of Georgians each year to overcome suffocating debt loads, but it isn’t for everybody. There are certain steps you can take to avoid having to file a Chapter 7 or Chapter 13 bankruptcy, and then there are other situations in which it...