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.
If you are having a difficult time financially or you have debts that you cannot afford to pay back, one of the things you may consider is not paying and allowing those debts to go to collections. While this is damaging to your credit, it can be helpful if you want to...
If you miss a mortgage payment, despite the fact that most lenders will not foreclose after a single missed payment, you know that you may run into such an issue in the future. It’s concerning for you and your family, and you can’t stand the thought of losing your...
Many individuals who feel overwhelmed by their debt opt to file bankruptcy. They often do so in hopes that it will stop bothersome collections calls, eliminate their obligation to repay their unsecured debts, stop foreclosure proceedings or repossessions and bring...
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,...
In some cases, yes, bankruptcy can stop an account levy. However, it is wise to learn how bank account levies work in the first place, which can improve your state of mind. For example, your creditors cannot call your bank and demand to have your accounts frozen. As...
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...
