Written by Craig D.

For people in debt for decades, credit counseling could show them how to climb out.

It is widely known that credit card companies aggressively market on campus, and off, to college students.  This recent study by U.S.

If you have decided to utilize the services of a consumer credit counseling service, keep in mind that you may be much better off consolidating your debt under Chapter 13 of the United States Bankruptcy Code.  You set the plan approved by the Court and make payments pursuant to a Court order that,  stops interest for unsecured creditors , stops late fees, and stops harassing telephone calls. 

This weekend's AJC Business story entitled "Bankruptcies hit State Hard" confirmed what I have been seeing on a weekly basis in my Atlanta area bankruptcy practice – mor

Written by Craig D.

Editors note:  In this compelling guest post, Charleston bankruptcy lawyer Russ DeMott describes what he calls "financial repression" – the tendency of honest, hardworking men and women to delay or forego bankruptcy protection because of the administrative and expense burdens added to the bankruptcy filin

I have been representing debtors in bankruptcy cases filed in the Northern District of Georgia for over 20 years.

According to the Federal Reserve, the total outstanding credit card debt carried by Americans reached a record $951 billion in 2008. Newsflash…….its becoming a major problem.