They Say My Unemployment Overpayment Was Fraud. Here’s What to Do Right Now.
A fraud finding on your unemployment overpayment means non-waivable penalties and criminal exposure. Here’s how to appeal it, starting today.
Bankruptcy
See my research, posts, and articles on bankruptcy, including the process, pros and cons, and alternatives. Click the link to explore key insights and options!
My Credit Dispute Was Rejected and They Won’t Say Why. Here’s What to Do Right Now.
A rejected credit dispute means one of two very different things under federal law, and only one requires an explanation. Here is what to do next.
My Private Student Loans Might Not Survive Bankruptcy the Way I Was Told
Student loans ‘never discharge’ isn’t always true. Some private loans fail a legal test that removes the exception — here’s how to check yours.
Can Debt Collectors Take VA Disability? What I Tell Veterans When the Truck Dies and the Calls Start
Short answer: no. VA disability pay is exempt from creditors under federal law — but a dead truck loan isn’t. Here’s what collectors can and can’t touch.
A City Kept Billing Her After She Filed Bankruptcy. The Judge Said the Software Was No Excuse.
A judge ruled a city’s own billing software is no defense against the bankruptcy stay — but the reason her damages stayed at $1,500 is the real lesson.
I Owe Everyone at Once, and Retirement Isn’t Far Off. Here’s Where to Actually Start.
Taxes, student loans, old collections, and divorce debt at once, with retirement close? Here’s the real order of operations, and what bankruptcy can erase.
A Sheriff Served Me a Writ of Execution. Here’s What to Do Right Now.
A sheriff served me a writ of execution. Here’s what it means, what property is exempt, your filing deadline, and how bankruptcy can stop it fast.
TransUnion Just Confirmed What I Saw Inside Credit Counseling: Debt Settlement Can Hurt Your Score Worse Than Bankruptcy
TransUnion found settlement enrollees who were still current when they enrolled fell 96 points, 645 to 549, measured six months before to six months after. Here’s what it leaves out.
Bankruptcy Isn’t Failure — It’s a Financial Tool
Damon Day and I break down why bankruptcy fear is mostly a myth — and what actually happened to our credit and our lives after we each filed.
A Judgment Lien Was Filed Against My House. Here’s What to Do Right Now.
A creditor recorded a lien on your house after winning a judgment. Here’s what it actually does, your homestead rights, and how to get it removed.
