A contract signed while impaired or pressured is voidable, not void — you must prove it with evidence. Here’s how capacity, undue influence, coerced debt, and debt after a death actually work.
67% of Americans skipped social events last year because of money — and 56% never told friends why. That silence makes everything worse. Here’s what actually helps.
Your parent is $60K in debt and won’t stop spending. Here’s what I learned from founding a compulsive spending program — how to help without enabling, and where to draw the line.
Debt and marriage: research on financial infidelity, hidden debt, the conversation that saves the relationship, and recovery options from someone who spent 12 years inside a credit counseling org.
Financial infidelity affects 40% of couples. After 12 years running a credit counseling org, I explain the shame-to-hiding cycle, signs, protection strategies, and recovery options most advice ignores.
New York’s coerced debt law only covers debt incurred on or after June 17, 2026 — here’s what that means for you, and the options that still work for older debt.
Quick Answer: A husband who leaves for days without contact and abandons his wife and 2-year-old child requires serious consideration before reconciliation efforts. While Alice reports success with unconventional methods, the underlying issues of infidelity and abandonment need professional counseling and STD testing before rebuilding trust. Question: Dear Steve, My name is Alice, and I …
Quick Answer: Bankruptcy after divorce often becomes necessary because divorce agreements don’t legally separate financial obligations to creditors, and splitting one household income into two separate lives creates unsustainable debt burdens. Filing for bankruptcy can provide the complete fresh start that divorce alone cannot deliver.Question:Dear Steve,I just went through a terrible divorce and now have …
Quick Answer: When a partner leaves debt in your name, settlement negotiations with creditors are possible, but bankruptcy may be necessary if the debt load is unmanageable. This person faces $650 monthly payments plus $13,000 from a repossessed car, making a second bankruptcy filing potentially unavoidable despite having one in 2008.“Dear Steve,I had a bankruptcy …
Quick Answer: Someone with $123,000 in debt and no income shouldn’t spend $40-50,000 on a wedding when that money could eliminate most debt obligations. The person should prioritize debt reduction over wedding expenses and rental property investments until achieving financial stability and employment.“Dear Steve,I have about $120,000 in student loans, and about $3000 credit card …
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Think of this as me — just in AI form. I've walked in your shoes. I filed bankruptcy myself in 1990, and in over 30 years of experience I haven't seen a situation that can't be worked through or a person who deserves judgment. Everything here is built on that experience, that research, and genuine care for you. I can't be there in person. But I can be here.
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