Budgeting Made Easy.
Really, Easy!
(562)265-8182 bobbi@centsablechat.com

Issues that may require bankruptcy: lawsuit from a creditor, wage garnishments, the inability to pay more than minimum payments
Non-profit consumer credit counseling agencies can help you decide whether or not to consider bankruptcy
Debt consolidation versus debt management - WHAT YOU DON’T KNOW CAN HURT YOU!
Difference between “charged off” and “discharged” debt - and how it impacts your taxes
Why you might do more damage, by putting off bankruptcy too long
Chapter 7, 11 & 13 - how do they differ, and which is right for you?
Difference between bankruptcy and debt management plans
Using your financial mistakes to create a more secure future
Why your credit may not be impacted as much as you think
Common financial fears, and how you can overcome them
Most debt management plans take 3-5 years to complete

​Budgeting for a job loss or other financial emergency
“Rebuild Your Credit, Rebuild Your Life” program
How to find out if there is a lien on your property
Can bankruptcy discharge student loan debt?
Can a budget save you or is it time to file?
If you’re being sued, you need a lawyer!
IRS debt may be dischargeable
Budgeting after bankruptcy
Safeguarding against fraud
Pros & cons of bankruptcy
How to make a fresh start