Financial Wise Guides

As an attorney, I have helped thousands of people (and businesses) out of their financial problems. I have put my knowledge into a series of books called Financial Wise Guides. If you are facing financial troubles, I hope these guides can help!

Finally Be Financially Free; break away from your debt starting now


Debt can cripple you and your family financially, emotionally and physically.

It is hard to break even, let alone get ahead.

Pay rates are low, job security is fragile and health costs continue to rise. Some families are one paycheck away from filing bankruptcy. Most people have no emergency fund.

All it takes is even a temporary layoff or injury to fall into a financial black hole. While waiting for unemployment to start, that settlement to be disbursed, finding that new job or getting your new pay grade up to scale; you still have rent or a mortgage to pay, school costs and supplies to buy, utilities due and other expenses that won’t wait.

Breaking free of the financial black hole takes time and financial resources – things that most individuals and families do not have right now.

Fortunately, there are ways to break free of a financial black hole.

It is possible and you can do it. You can find the time and the financial resources.

Starting now!



What Bankruptcy Can Do: and how it can help you!

800,000 people and businesses per year file for relief under bankruptcy to eliminate or restructure their debt.

If you are considering filing for bankruptcy, you should know that there are a lot of factors involved in filing – there are a lot of moving parts.

What Bankruptcy Can Do will show you the difference kinds of bankruptcies available, how each type of bankruptcy affects different types of debt as well as other rules and procedures under the bankruptcy code.

Eliminating your debt load through bankruptcy can be a bumpy and confusing ride.

Let’s make the trip a little smoother…



What Bankruptcy CAN’T Do; and the debts it cannot affect.

800,000 people and businesses per year file for relief under bankruptcy to eliminate or restructure their debt.

But some debts are “immune” from a bankruptcy discharge – the word is “non-dischargeable”. This means that when the smoke clears and the bankruptcy is over, these debts will still have to be paid.

The kinds of debts that survive the bankruptcy depend on the type of bankruptcy you file. A debt may be discharged in a Chapter 7 that may NOT be discharged in a Chapter 13 or the other way around.

If you have debts resulting from a divorce, if you owe taxes or other governmental debt, or if you intentionally injured a person or damaged someone’s property; filing bankruptcy to relieve you of your debt may not help!

This book guides you through those kinds of debts and those kinds of bankruptcies.