Let’s roll back the clock a bit. Assume it is 2003, and you are in the middle of filing your taxes. You realize that, for one reason or another, you did not pay enough in taxes for that year. Instead of getting a nice refund, you now owe Uncle Sam a sum of money that [...]

If you listen to some of the “debt gurus” out there who discourage everyone from filing bankruptcy and encourage them to instead work harder to repay debts, then you’ve probably taken on extra work to repay debt only to find that you still can’t make it out of the debt hole.  If that’s you, there [...]