About Me

Beating the Bankruptcy Blues

I didn’t mean for my debt to get out of control. It happened so gradually that I barely noticed it at first, and by the time I understood what was happening to my finances, it was too late to do anything to stop it. I was trying to start a small business, and I thought that I had enough of a cushion to fall back on. I was wrong. The smartest move that I made was hiring a bankruptcy attorney to help me file for bankruptcy and get out of debt. He really helped me. He made sure that I filed the right bankruptcy chapter and completed all of the correct paperwork, and helped me find credit couseling courses so that I could get back on the right track and stay out of debt. This blog about bankruptcy is meant to help others that find themselves in the same situation.

Avoid These Mistakes When Making ERISA Disability Claims

Posted on 16 September 2015

An employer-sponsored ERISA (Employee Retirement Income Security Act) plan allows you to apply for long-term benefits in the event that you become disabled and are unable to work. However, applying for benefits under ERISA can be a challenging process where a mistake could lead to longer approval times or even a denial. Here are 5 mistakes that you should steer clear of when making your ERISA disability claim. Assuming That Your Employer's Opinion Is Enough to Justify a Claim [Read More]

Three Things You Should Not Do When You Are Going Through A Divorce

Posted on 26 August 2015

When your marriage to the person you thought was the love of your life falls apart and you are in turmoil, adding divorce proceedings to the mix only increases your stress levels. In an ideal situation, you will not have to contend with negotiating settlements for property, money and custody of children. However, for many people, a seamless, non-contentious divorce is a pipe dream. Nevertheless, you can decrease the amount of drama and hard feelings by adhering to a few tips of what not to do during divorce proceedings. [Read More]

South Florida Aggressively Investigates Workers' Comp Fraud at Construction Sites

Posted on 5 August 2015

When many people think of workers' comp fraud, the image of employees faking injuries comes to mind. However, some employers also participate in fraudulent schemes to either lower their workers' comp premiums or avoid getting the insurance altogether. To combat this, authorities in south Florida have stepped up their investigatory efforts, particularly focusing on the construction industry where workers' comp fraud is prevalent. Here's more information about the government's efforts and tips for determining if your employer is engaging in fraud. [Read More]

Options You Can Use For Debts That Cannot Be Included In Chapter 7 Bankruptcy

Posted on 15 July 2015

If you are swimming in piles of debts and cannot find a way to even make your minimum payments on them, chances are you will continuously keep falling further behind on your bills. The only way to get out might be through Chapter 7 bankruptcy. Unfortunately though, bankruptcy may not help you with all the debts you have. There are ways to reduce and eliminate other debts that are not allowed in bankruptcies, and you may want to look into these methods if you have any of the following debts. [Read More]