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Mortgage, Bankruptcy, Nonsense

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Not that long ago I wrote again about the pleas from banking to not allow bankruptcy judges the authority to modify mortgages, in limited situations, to allow people to stay in their homes and avoid foreclosure. See “Mortgage Bankers Association. A Bunch of Whiny Bitches?“. Today an article in the Wall Street Journal has got me going again. Todd Zywicki ... Read More »

    Are Muzak and Sirius XM Radio, Better Than You?

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    I was reading the latest news about the bankruptcy filing of Muzak, the elevator music people, and the new merged company of Sirius XM, the satellite radio people. Sirius XM has not filed Chapter 11 bankruptcy just yet but it looks like they will any day now. It has always struck me as odd that we applaud business for using ... Read More »

      I Want You to Meet Who You Helped Today – German Coronel

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      It is important for you to meet who we helped today through this site. As I mention, all over the place, revenue from people clicking on ads and using the service of advertisers is used to help sponsor people in poverty through Kiva. Please visit or use the services of advertisers on the site so we can help more people. ... Read More »

        I Want You to See Who You Helped Today

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        I thought it was important for you to meet who we helped today through this site. As I mention, all over the place, revenue from people clicking on ads and using the service of advertisers is used to help sponsor people in poverty through Kiva. The reason I give money to Kiva to help people all over the world is ... Read More »

          Mortgage Bankers Association. A Bunch of Whiny Bitches?

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          So in the Wall Street Journal the Mortgage Bankers Association answered a op-ed about the need for bankruptcy mortgage modifications with the following response. In “Loan Modification Can Stop the Foreclosure Crisis” (op-ed, Jan. 30), Rep. John Conyers shortsightedly calls for allowing unelected bankruptcy judges to unilaterally modify mortgage contracts to help keep borrowers out of foreclosure. Mr. Conyers talks ... Read More »

            Why The Debt Collector Works Hard to Manipulate You

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            So you’re a debtor and this is your first time in financial trouble. It is scary, frightening and you are completely stressed out. Some people even kill themselves over the debt. The last thing you want to see are late notices or get calls from the debt collector. You’re just not that experienced playing the role of the debtor in ... Read More »

              How to Eat When You Can’t Afford To

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              I’m seeing more questions from people that are struggling with how to just find enough money to feed themselves. The stories of parents having to skip meals to pay for heat or feed the kids, concern me. I wanted to give you a free copy of a cookbook that I put together several years ago. Read More »

                Why is Consumer Credit Counseling Service (CCCS) Spending $18,785 a Day on Online Ads?

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                I was looking through the visitor logs on the site tonight and saw a link from a site called Keyword Spy. I followed the link back and discovered that the site is pretty cool for checking out what sites are spending on online ads. A link of a link of a link on the site took me to this page ... Read More »

                  If You Went Bankrupt But Did Not Include All Your Debt, Read This.

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                  Recently I answered a question from Lynn, “My Car Went Missing From My Driveway Because My Ex-Husband Didn’t Make The Payments.” In that question she brought up the fact that she had gone bankrupt but had not included all of her debts in her bankruptcy and now she was in trouble with those debts not included. I went to my ... Read More »

                    I’m Inquiring About You. – Ellen

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                    Ellen sent in a question that I thought was worth covering again on this site. Here is what Ellen sent in. I’m inquiring about YOU. I sent this email a few minutes before but don’t think it went through, so am writing again. I am inquiring about YOU and your site. You say you don’t make $ on others but ... Read More »

                      Where to Find Free Cash in an Absolute Emergency

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                      An article in the Wall Street Journal was bolder that I might have been about the realities of the best place to find cash in an emergency. When I read the article I broke out in a huge smile for ear to ear. Amen. People make the same chronic mistakes when they get into a financial bind if they have ... Read More »

                        Job Loss Leads Family to Death. All Killed by Parent

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                        Senseless. So senseless. I know that job loss and financial worries can seem hopeless, but they aren’t. They certainly are not so desperate that murder and suicide are the best way out. Sadly, this isn’t the first time this has happened and it won’t be the last. Embedded video from CNN Video Embedded video from CNN Video Embedded video from ... Read More »

                          American Express Earnings Drop 80%. Oh, Boo Hoo.

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                          American Express, AMEX, reported a 79% drop in earnings in the fourth-quarter. I rounded it up to 80% because it just made me feel better. Apparently American Express customers are defaulting at a higher pace than expected and the downturn in the economy has lead to financial hardship of many card members. Could that be because they were allowed to ... Read More »

                            Lazy Nation Worried They May Be Put to Work.

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                            It’s time for a smile. Enjoy. Steve Read More »

                              Your God Loves Debtors

                              God

                              So many people tell me about how ashamed they feel about their financial problems. They feel like losers, cheats or just bad people for not being able to honor their repayment promises. It is truly unfortunate that people find themselves in money trouble with debt casting a huge black shadow over their life as far as they can see. But ... Read More »

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