The holiday season is just around the corner and a lot of people, myself included, find it easier to buy gift cards other than a traditional gift, however many of us are hesitant to do so fearing hidden terms and conditions. Gift cards are an 87 billion dollar a year industry and retailers like these […]

The possibility of losing your home because you can’t make the mortgage payments is a terrifying proposition.  Maybe you are having trouble making ends meet due to a job loss, a cut in pay, or a host of other financial problems. Or possibly you’re one of the millions of Americans that has a mortgage that […]

Are you one of the many Americans, struggling with massive debt, who are struggling with the morality of filing for bankruptcy? Many people are in so deep that they cannot dig themselves out. They have more debt than income, the mortgage payment on their underwater home is killing them, they have been looking for work […]