Lea Ann Fessenden-Joseph

Just because you have placed your family on a strict budget, that does not mean you still can’t have a little fun. In today’s rough economy, you just have to use a little more creativity to find entertaining ways to spend your free time on a shoestring budget. Read More

Much like credit counseling, debt settlement agencies work with you and your creditors to help you become debt free. However, unlike credit counseling agencies, who work with your creditors to get you a lower interest rate, debt settlement agencies work with your creditors to reduce your debt balance. Sounds pretty easy? There are some drawbacks and things to avoid… Read More

The two most common types of bankruptcy available in the United States for individuals are Chapter 7 and Chapter 13. It is important to understand the differences between the two. Read More