Randy Black

You are up to your neck in credit card debt and the water is still rising. You’re barely treading water with the monthly minimums on your credit cards that are already maxed out. Your sleep is restless; you wake in the middle of the night fretting about your financial options and have trouble getting back to sleep. You see a multitude of television commercials for debt consolidation loans. Read More

There are several advantages of filing for bankruptcy, according to the American Bar Association (ABA). By far, the most important, the ABA contends, is that debtors may obtain a fresh financial start. Read More

Co-signing a loan can be a blessing for the person you’re helping. It can also turn into your worst nightmare.

For those of you who are toying with helping out a partner, parent, sibling or child, don't do it by co-signing a note. Adding your name to someone else’s debt is a very serious financial step and could ruin your credit. Read More