Beware of debt consolidation scams. Not exactly Shakespearean advice, but it is a worthwhile tip. Those in debt are also in need. They are in need of getting out of debt. When you can't afford the debt you have, there are few options available. This is particularly so for those on a fixed income

Credit Card Debt Forgiveness

Are you in credit card debt? If so, you are not alone. Credit card debt is on the rise, and it is growing. Take a look at this CNBC story to see the rise. Credit card debt forgiveness is also increasing. But how? Why

Debt or Discharge?

Debt or discharge, that is the question. But what does it mean? Simply put, its a decision. It's a decision whether to live with debt or without it. Discharge is the end result of a bankruptcy. When you file bankruptcy, here in Sacramento or elsewhere, you

Sacramento Bankruptcy Basics

Sacramento bankruptcy basics is a primer post for those considering filing for bankruptcy. Bankruptcy can be a hard decision. A really hard one. But bankruptcy can bring relief. Lots of it. The most basic equation for those thinking of

Bankruptcy Credit Counseling

Bankruptcy credit counseling is a requirement of the bankruptcy system. It mandates that someone who files bankruptcy must undergo credit counseling before filing bankruptcy and, again, after filing but before the bankruptcy is discharged. It is not difficult to do, nor

Sacramento Bankruptcy: Debt Relief Alternatives

Bankruptcy is an option to eliminate or reorganize your debt. There are other alternatives besides bankruptcy, though. Debt relief companies and agencies can help, but be cautious taking this route.

Many debt relief companies and agencies promise to