Many people slate their Tax Refund to file a much needed Bankruptcy due to a loss of job, medical bills, IRS debt and credit card debt.

During your free consultation, I will discuss with you favorable remedies and my goal is to have you leave my office with a positive outlook and excited about receiving a fresh start and the possibilities ahead of you! I deal with clients upfront, one on

-Destroy or shred documents that include personal information before disposing of them -Password-protect your computer and other devices, and use anti-virus software change passwords often -Use caution when sharing account numbers and personal information online or over the phone -Beware of phishing phone calls or

-Bills that do not arrive as expected -Unexpected credit cards or account statements -Denials of credit that you did not apply for -Calls or letters about purchases you did not make -Charges on your financial statements that you don’t recognize -Incorrect information on your credit

Identity thieves steal information in several ways, such as: -Digging through trash cans and other places to find documents that contain credit card numbers, account numbers, Social Security Numbers and other personal information -Retrieving information from lost or discarded computer equipment, mobile phones and PDAs,

A woman walked into my office and described her student loan nightmare as a ball and chain on her leg for 20 years. She is not only lugging around the growing student loan debt and getting collection calls every day, but she told me the

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Private student loans turned over to collection firms are becoming very popular. Many of these collection firms will negotiate the loan. Seek legal Advice.

It is too easy for hackers to obtain sensitive credit information and use that deceased’s identity. To notify Experian of your relative’s death and request a copy of the deceased’s credit report write to: Experian P.O. Box 9701 Allen, TX 75013 You will need to