The Saginaw News reported today that mortgage foreclosures in Saginaw County rose to 1000 in 2010. Foreclosures for 2009 were 740 and 1130 for 2008. Tax foreclosures increased as well with 837 in 2010 up from 789 in 2009. County Treasurer Marvin D. Hare remarked “Nothing’s any better than it was, and a lot of…

I file several plan mod’s a year to keep tax refunds, and have yet to have a major issue.  In each case I have clear expenses in mind (tires, home repair, dental/medical bills, etc.) and point out that the amount budgeted in the plan is not large enough to cover the unexpected expense.   Keep…

What is bankruptcy? Bankruptcy is the most sophisticated financial planning tool available to consumers. It’s not about cheating your creditors–it’s really about being a responsible person and getting your financial act together so that you can take care of yourself and your family. The bankruptcy laws are mandated by the US Constitution for the purpose…

2010 has been an incredible year of growth for us with the Bankruptcy Doctor at the Bay Area Bankruptcy Clinic. I have been able to counsel many individuals and families and give them good direction in getting their finances back in order. In 2011, our online services will grow and we will be able to…

1. Why did you get behind in your mortgage? Was it because of a temporary issue (sudden illness that you have recovered from) or some other short term financial emergency? Or, was it because of a longer term issue like a job loss, divorce or permanent disability? 2. What is the current fair market value…

I have helped a lot of families in Bay City Michigan with their bankruptcy matters. I serve families and individuals throughout Mid Michigan including Bay City and Bay County. If you have any questions concerning your financial situation, please call me at (989) 233-9389. I will answer your questions and help you figure out a…