The Right Way to Spend Your Tax Refund

In 2015, the average tax refund was greater than $3,000. For some people, being handed that amount of money in a lump sum creates a challenge. Typically, the first reaction is to start spending on “things” without really giving much thought to the process. Within a short amount of time, the money is gone and the individual is left with items that make little sense. Although you might be tempted to spend your tax refund immediately upon receiving the money, this is the perfect opportunity to analyze your financial situation carefully so that you avoid common spending mistakes. Mishandling of...

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Getting Assistance with Bankruptcy Filing in Binghamton

Have you ever really given thought to your retirement as to what things you will be doing and how much money you will have to work with? Obviously you want to enjoy your golden years, and in order to do this, careful planning is essential. Without good planning and decision-making, you could find yourself in a situation of hiring an attorney to deal with filing bankruptcy. Unfortunately, millions of people never enjoy retirement due to making costly mistakes. However, by opening a special retirement savings and avoiding big mistakes, you can enjoy the retirement you always dreamed of and...

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5 of the Most Common Foreclosure Scams Binghamton Bankruptcy Lawyers Fight

Unless you make your mortgage payments each month as scheduled, you are at risk of foreclosure. Being in this situation is extremely confusing and scary, and, unfortunately, there are people who do nothing but prey on individuals just like you. As Binghamton bankruptcy lawyers, we see it all the time. Fortunately, you have a number of good solutions. By knowing what to look for, you have the opportunity to avoid becoming a victim of a foreclosure scam. Scamming Opportunities Lender Scams – For this, a lender convinces you to refinance with an interest-only loan. At first, you feel financial...

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Behind on Your Mortgage?

For many years, I worked alongside big-name mortgage companies as a creditor attorney. From that experience, I learned a lot about the way mortgage companies think and operate. A prime example is that instead of working with homeowners, mortgage companies prefer foreclosure since there are distinct incentives for them. Remember, there are benefits as well as drawbacks for you for each of the options mentioned below. Therefore, it is in your best interest to hire a top Binghamton bankruptcy attorney to assist. Chapter 13 Bankruptcy – With this option, you make regular payments and pay all...

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Debt Reduction and Credit Counseling – High-Risk Binghamton Bankruptcy Alternatives

If you are currently struggling with financial issues, the very thought of filing bankruptcy is frightening, even though it could easily be the right decision. However, by choosing not to file bankruptcy, you are at risk of being victimized by criminals. To protect yourself, it is always best to seek guidance from a qualified Binghamton bankruptcy attorney like Laura Harris-Courage before making any decision regarding finances. Debt Reduction Companies A prime example is seen with debt reduction companies. These companies make bold promises of reducing debt by 30%, 40%, 50%, or even more....

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Can you answer YES to any of these questions?

Are you being burdened with any of these scenarios? Can you answer YES to any of these questions? If you answer yes to any of these questions then we can help! Are collection agencies constantly harassing you? Is your mailbox full of overdue notices? Are you using one credit card to pay off another? Has your vehicle been repossessed? Has someone sued you and won? Did your “ex” leave you with all of the bills and only half the household income? Are your total bills as much as you make in a year? Were you laid off from your job and now not working or working for less pay? Have you thought...

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