One Last Dive before the D-Day…..

Recieved our tax refund check and we just got back from a week’s vacation in Florida…..was able to clear our minds somewhat and are facing bankruptcy head on. At the moment, we are trying to configure our gameplan to receive our IRS $1500 check and then file. After all, strategic filing is the best option But, how can we do that and not have to cough up the money? Easy, the $1500 is already gone Read the rest of this entry »

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Life and the CCCS

We had our pow-wow with the CCCS (Credit Card Company Services, ahem, Consumer Credit Counseling Services) today……for a measly $692 per month we can pay off our credit card debt and doctor bills in as little as 46 months. OK, first some background for those that are unaware as to what the CCCS is.

The CCCS is the only US of A accredited pre-bankruptcy counseling service. If you ever want to file Chapter 7 or 13, guess who you MUST see twice? Yep. OK, with that said, who helps maintain the CCCS as a 503-non profit organization. According to the yellow piece of paper that I signed, the CREDIT CARD companies Read the rest of this entry »