The decision to file for bankruptcy is a very important decision and one that requires much thought and prayer. In 2005 the bankruptcy laws were dramatically changed which made the impact of bankruptcy much bigger. No longer can you simply walk away from a mountain of debt, dust your hands off and start all over. [...]
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With interest rates at their lowest in history (or at least in a really long time), a lot of people are contemplating the idea of refinancing. First, let me say that I am all for refinancing when it makes sense. As a matter of fact, we recently closed on our own refinance; however, there are [...]
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