The Office of Russell Gary Small, P.C. COVID -19 UPDATE: In these uncertain times all of us at The Office of Russell Gary Small, P.C. wants to reassure you that we are open and continue to work for you. We can meet with you via telephone or video conference, and communicate electronically. We are here for you, and encourage you to reach out to us with any questions or concerns. Stay safe and healthy.
It probably won’t surprise anyone who’s dealing with more debt than they can handle that it can have an effect on a person’s emotional well-being. The impact of significant debt has been studied by mental health professionals. People who are overwhelmed by their debt...
If you have debts that you are unable to pay, are facing a foreclosure or are being harassed by debt collectors, you might consider declaring bankruptcy. And while bankruptcy can negatively impact your credit, the good news is you can always repair your credit score...
If you have received a notice that you have missed mortgage payments and that your home is now going into foreclosure, it’s time to look into strategies to stop the foreclosure and help you keep or sell off that property. There are several methods you can use to stop...
For ten years, you’ve been making your monthly mortgage payments on time. It’s just part of your monthly budget and it’s never been a problem. Then you missed a month. Maybe it just slipped your mind and you forgot to send it in. Maybe you had a tough month,...
Filing for bankruptcy usually means that your credit score drops substantially. Although it can start going back up relatively soon, it will be years before you fully recover from the impact of a bankruptcy on your credit score and before you can qualify for the best...
Mounting debt can be an overwhelming experience. You might be between two less-than attractive options: debt consolidation or filing bankruptcy. There are both benefits and downsides associated with each. You'll want to weigh certain personal circumstances when...
Bankruptcy allows someone to stop aggressive collection activity and potentially get rid of their debt through a discharge. In theory, after that discharge, the person who filed has a perfect opportunity to start rebuilding their credit. Unfortunately, if the...
Consumer bankruptcies are always driven by each person’s individual situation -- but economic issues throughout the country and other external factors can be a significant driving force that causes bankruptcy filings to ebb and flow dramatically. In 2020, consumer...
If you have significant debt, you more than likely already feel stressed about how you will pay off your debt. Your stress increases though when you get multiple calls from creditors each day. You may be more than tired of these creditor calls and want them to stop....
Managing household finances often means deciding what bills to pay and when. Sometimes, past-due bills or unusual expenses will take precedence over recurring monthly ones. If you have prioritized other bills over the payment of your mortgage in recent months, then...
