This year’s hurricane season has been tough for millions of people both here in Florida and across the southern and coastal United States. There will be a long process of rebuilding and recovering lives as many homes, businesses, communities and even entire metropolitan cities were devastated by high winds and rapidly rising flood waters. There […]

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You’ve made your list and you’ve checked it twice, because that’s what good list makers do.  All packed up nice and tight, ready for a little rest and relaxation traveling abroad.  For all the precautionary planning and preparing, there is still something that many travelers do not account for in their trip itinerary:  personal fraud […]

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Every summer, we always get excited thinking about all of the things we plan on doing.  Whether it’s a road trip to visit family in another state or a trip to Disney World, or even just a camping trip in the backyard, there are always a ton of great ideas for summertime fun.  For all […]

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Creatures of habit. It is a term used to describe the natural tendencies of people based on their personal habits. For instance, if a person gets paid on Friday and is broke by the following Monday, it is most likely (but not always) due to habitually bad financial choices. Impulse purchases, excessive spending, overuse of […]

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It’s that time of year where you’ve moved beyond the optimistic idealism you had when you made your New Year’s Resolution and have realized that we’re nearly halfway through 2017. If you completed your taxes on time, and you are expecting to receive a refund, you have plenty of choices to make about what to […]

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The common theme found in many of my blogs, is that bankruptcy is not something to be ashamed of.  It is a protection here to help you when you need it.  Things happen in life that can cause great hardship, including financial ruin.  Bankruptcy is here to be an option for a potential fresh start. […]

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  Bankruptcy gives debtors, that want to honor their debts, a chance to fix their finances.  It can forgive most debt entirely and give you a clean slate.  This is known as a chapter 7. Another option allows you to forgive some debts and pay back others over a 3-5 year repayment.  This is known […]

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Many people don’t really understand what happens when they enter into bankruptcy. Entering into bankruptcy doesn’t mean you sign away all of your earthly possessions and give up everything you own. It certainly doesn’t mean you’ll never have a chance to buy a home or purchase a car. It’s actually quite the opposite. Filing for […]

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Each year during income tax season, millions of American taxpayers file 1099-C tax forms with the IRS.  A 1099-C is a form that reports Cancellation Of Debt Income, or CODI.  Anytime a lender cancels more than $600, they are to fill out one of these forms and send copies to the IRS and to the […]

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