By Ralph Ferro, Posted in Bankruptcy in the News on February 9, 2012
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It’s true! So many people have dreams of becoming famous, most likely for the abundance of money that usually comes along with it. As proof from Gary Busey, who starred in over 70 films, no matter your income, it is always critical to stay...(more)

By Ralph Ferro, Posted in Safe Money Management Practices on January 26, 2012
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It’s a tough forecast to predict in a time of such economic uncertainty. 2012 bring s a new year for the local and national government to get back on its feet and try to turn things around. As the cost of living increases so does the rate of...(more)

By Ralph Ferro, Posted in Bankruptcy in the News on January 12, 2012
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82-year old baking company, Hostess Inc. files for Chapter 11 Bankruptcy! Hostess, the makers of our sugary, childhood snacks like Twinkies, Ding Dongs and Suzy Q's has filed for Chapter 11 bankruptcy protection. Hostess Brand Inc. filed this Wednesday...(more)

By Ralph Ferro, Posted in Bankruptcy in the News on January 9, 2012
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Unemployment is up and Americans everywhere are seeking job opportunities to prevent bankruptcy, foreclosure and the loss of of their possessions and integrity. In a desperate time, the jobless are seeking anything that shows promise of financial...(more)

By Ralph Ferro, Posted in Bankruptcy in the News on December 30, 2011
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While online sales break new records and other stores both online and offline see an increase in the fourth quarter, Sears and its sister retailer, Kmart took a hard hit this holiday shopping season, as both big-name department stores announce plans to...(more)

By Ralph Ferro, Posted in Bankruptcy in the News on December 22, 2011
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This past Monday, regulators for Fannie Mae and Freddie Mac, two major mortgage lending companies in the United States, proposed to congress an idea that they believe will help alleviate bankrupt homeowners. Reuters reports from the Financial...(more)

By Ralph Ferro, Posted in Bankruptcy in the News on December 6, 2011
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The housing recovery in New Jersey seems like it has been dangling like a yo-yo as foreclosures stop and start due to the state of the economy, a high unemployment rate and underemployment. The Garden State’s unemployment number sat at 9.1 this...(more)

By Ralph Ferro, Posted in Bankruptcy in the News on November 29, 2011
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Another day and another bankruptcy; this time financial troubles fly high as AMR Corporation (parent company to American Airlines) files for Chapter 11 bankruptcy. The move to file this type of bankruptcy will help the company restructure its debt....(more)

By Ralph Ferro, Posted in Bankruptcy in the News on November 23, 2011
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Irish Billionaire Declares Bankruptcy Sean Quinn was once listed as one of Forbes’ richest men and today Mr. Quinn falls to the deteriorating banking crisis that is sweeping the globe and forcing him to declare bankruptcy. Working hard since...(more)

By Ralph Ferro, Posted in Filing for Bankruptcy on November 15, 2011
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What are the differences between Chapter 7 and Chapter 13 Bankruptcy The biggest difference between Chapter 7 and Chapter 13 bankruptcy filings is the means in which debt is repaid to creditors. Both chapters allow for the relief of debts, however...(more)