201602.12
0

I’m seeing more people who inquire about trying to manage their debt. Should I use a Debt Counseling Company?

If you want to try to manage debt and avoid filing a Bankruptcy I suggest:First -Speak to a credited counseling agency. Look for a government approved agency: http://www.justice.gov/ust/eo/bapcpa/ccde/CC_Files/CC_Approved_Agencies_HTML/cc_florida/cc_florida.htm Seek a reputable debt counseling firm.  Ask to see their contract first.  Ask where your monthly payment will go and when and how they pay your debts….

201602.09
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2015 Bankruptcy Filings in Federal Bankruptcy courts down 9.9 percent.

Bankruptcy Filings Drop 10 Percent in Calendar Year 2015 During the 12-month period ending December 31, 2015, 844,495 cases were filed in federal bankruptcy courts, down from the 936,795 bankruptcy cases filed in calendar year 2014—a 9.9 percent drop in filings. This is the lowest number of bankruptcy filings for any 12-month period since 2007,…