Archive for September, 2010

Balancing Work & Childcare – A High Wire Act

Pursuing a career while raising a family is as difficult as establishing bipartisanship in the U.S. Congress. With today’s tough economy, it is common for both parents to hold full-time jobs. The stress of managing school, daycare and after-school activities, once the worry of only single parents, has become the Read more…

New Federal Mortgage Rules Help Protect Buyers

Much of today’s financial woes, including home foreclosures and personal bankruptcies, came about due to unregulated and unfair mortgage practices, as well as enough greed to go around several times. However, the Federal Reserve has enacted new rules to help protect consumers against abusive mortgage practices, including clearer cost disclosures and Read more…

The Fine Art of Negotiating

For many people, negotiating or “haggling” for a lower purchase price makes them bring out in measles-like spots. I, however, relish the opportunity to work with a salesperson to come up with a mutually acceptable price. Of course, you can’t haggle over a $10 DVD, the latest electronic gadget from Apple Read more…

A Real DLF Client

This is the start of series of giving you a glimpse into the lives of real DLF clients.  These are not actors, but real people facing real life and receiving real help from DLF and the US Bankruptcy Court. * Today I’ll introduce Judy.  She’s a single woman that’s been in the hospitality industry her […]

Play “Hide & Seek” to Find Hidden Money

There are not many people in the U.S. today who could not use a little extra money. Unfortunately, the quarter, two dimes and a nickel that you found in the couch cushions is too little. So, where to look for hidden treasure? If you’re willing to invest a little time (no Read more…

1.6 Million Bankruptcies Predicted in 2010

The number of personal bankruptcies predicted for 2010 would reach their highest level since the U.S. Congress changed the bankruptcy law in 2005, making it more difficult for consumers to file for debt relief; this according to Samuel Gerdano, Executive Director for the American Bankruptcy Institute (ABI). In an item Read more…

A Glimpse into DLF

While discussing topics with the firm via email, Jim Doan, senior partner, wrote the following: While unpopular in the secular media, professing Christian values is nothing to be ashamed of… we are essentially saying that we strive to “treat others as we would have others treat us.” I have a little motto for DLF…. “Treat […]

British Women Spend Pounds, Seek Bankruptcy Protection

According to an article in www.thaindiannews.com many British women are leading a lavish lifestyle, well beyond their means, racking up debt of 13 billion pounds as a result. Most say they would opt for filing for personal bankruptcy as the road out of their liability. One 33-year-old woman has reportedly racked Read more…

Credit Card Debt Drops to Eight-Year Low

Consumer bottom-line credit card debt has dropped to its lowest level in over eight years, as card holders continue paying off those high-interest balances. The average combined debt for bank-issued credit cards fell to $4,951 in the three months ended June 30, 2010, down over 13% from $5,719 in the same Read more…

One More New Jersey “Housewife” Bankruptcy Article

Can you tolerate another blog on the heartache/headache of the bankruptcy of Teresa and Joe Giudice? The couple who experienced their 15 minutes of fame/infamy on the Bravo reality show, Real Housewives of New Jersey, filed for Chapter 7 personal bankruptcy protection last year.  Now, accusations of fraud are being leveled Read more…