Kevin Bowen

Why is bankruptcy considered the debt relief option of last resort?

The answer to this question is easy enough – for those in debt, choosing bankruptcy holds the most extreme power but also the most extreme consequences. This is one choice that will be felt for a long time. Read More

So we have all seen the magnetic strip (or stripe) on the back of the credit card. We all know that it is important to a purchase. But what does it do?  How does it work? Read More

One of the most important elements of a successful debt settlement program is the ability to save.

Saving is central to what a person in debt settlement needs to do.  The consistency with which a person saves can strongly affect the outcome of a debt settlement program.  The better that a client accomplishes saving, the better the chance that a client finds success. Read More