6 years ago · Danielle Patton · 15,207 comments

Why Debt Consolidation is a Bad Idea (or Worse, a Scam)

There is enormous stigma that goes along with bankruptcy filing. The mere word “bankruptcy” invokes a feeling in many of immorality and failure. People usually dread the thought that bankruptcy may be in their future. Yet phrases like debt consolidation, debt resolution, credit management, debt relief, etc.; these terms invoke a completely dissimilar emotional response. These concepts are marketed as an alternative to bankruptcy: a way out of financial hardship, but not shirking one’s responsibilities. However, all is not what it seems.

7 years ago · Danielle Patton · 8,219 comments

5 Financial Mistakes New Grads Make

By: Danielle Patton

Your metamorphosis from a bubbly, naive student to a responsible graduate can be both exciting and overwhelming, as personal finances becomes one of your central primacies. Imperative life lessons overlooked in school need to be understood and applied as rapidly as possible. Take a look at these five pitfalls you want to avoid as you plan your new life.

7 years ago · scuramarketing · 7,166 comments

When Is It Time to File for Bankruptcy?

Filing for bankruptcy is never an easy verdict. Actually, it is one of the most intricate financial decisions a person will make in their lifetime. However, once the confirmation to file bankruptcy is settled, individuals will start to experience the saccharine relief that bankruptcy offers, as well as the fresh fiscal start and a stress-free life.

But when exactly should you start seeing bankruptcy as your best option? Here are a few signs to help you determine if bankruptcy is right for you.