Welcome to my website. Here you will find the answers you need to deal with financial challenges

Featured Questions

Should I walk away from my house?

No, I do not recommend this option until you explore less drastic alternatives. Just because the house is worth less than the mortgage does not mean you should dump it. Real estate will come back up and in the end it is a place to live. It will also be very difficult to get credit again to buy another house.  Please see a reputable credit counselor that charges a nomimal fee first. There is also a bankruptcy that allows you to keep your house that you should consider.

I can't pay everybody? Who do I pay first?

At the risk of the obvious, pay for food and utilities first. Then ask yourself if you can keep the house. If so pay these bills in the following order: the property taxes and the first mortgage. Do NOT pay credit cards and do NOT liquidate retirement plans.  Please see a credit counselor, budget coach or an attorney before you decide to do these things.