Sometimes fact is scarier than fiction. The next time you pull out that dollar bill, you may want to take some of this information into consideration.  Whether its the money itself or the way we handle it, there are some surprising statistics at play.  Perhaps understanding them upfront is a good idea. #1 The Flu is [...]

We are repeatedly asked, "What is the secret to fixing credit".  The answer is, always and unequivocally, found in one's bank statements.  The cornerstone of any credit repair process is not in the credit report itself.  The credit report is simply a report card of the behaviors that led to the information being reported.  How you [...]

Florida Nursing Loan Forgiveness Program In an effort to encourage qualified nurses to employ themselves in our state, the Florida Legislature established the Nursing Student Loan Forgiveness Program (NSLFP) in 1989.  This little-known program will pay up to $16,000 in student loans ($4,000 per year for four years). Be advised that there is a finite [...]

99 Problems But a Student Loan Ain't One There is a myth that Federal Student Loans cannot be discharged with a bankruptcy.  This simply is not true. In a Chapter 7, it is uncustomary to include Federal Student Loans.  With a few extra steps, one can actually include one's Federal debt.  Much like the Means [...]

Help Is Available. If you are a homeowner or business owner in Florida and have difficulties stemming from Hurricane Irma, there is help available to you from the Natural Disaster Emergency Mortgage Relief Act of 2011 and other Federal Resources. Since the entire state of Florida has been declared to be in a state of emergency, [...]

Regarding the Obama Student Loan Forgiveness Plan We are often asked about the new program President Obama put out that forgives student loan debt.  There are advertisements everywhere touting the ability to get your debt slate cleared.  The secret to that program is that IT DOES NOT EXIST.  There is no magical program out there [...]

Creating financial safety nets for those rainy days is a vital component of a good credit restoration plan. Remember, having good credit goes beyond the score. Your credit score is incidental to good credit behavior- it isn't your credit in and of itself. Every good plan should have a savings mechanism that covers emergencies as [...]