Monkeynomics 101: Debt Management and Bankruptcy

Before we can worry about investing, we need to free your income, so today’s lesson is about debt management, and extreme solutions such as filing bankruptcy.

ANDEX Chart (Morningstar)

Average American Debts

Student Loans: ,264 APR 5%

Credit Card Debt: ,611 APR 14.9%

Credit Card Usage

Auto Loan Debt ,000 APR 4.31%

Mortgage Debt: 5,192 APR 3.8%

Average 401K Balance 1,650

Dave Ramsey

Terrance Popp: “Deadbeat Dad Dilemma”

Bankruptcy: Chapter 7 and Chapter 13

Chapter 13 Bankruptcy FAQ:

Song: “William Tell Overture” by Rossini. Courtesy of the YouTube Audio Library.
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Considering bankruptcy

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Bankruptcy Law

< things type="application/x-shockwave-flash" style="size:425 px; elevation:355 px;" data="//" >< param name =" film" worth ="//"/ > Discussing the “ins” as well as” outs” of bankruptcy law and the resources readily available for low-income individuals. Sight training products right here:

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Informative Notification

The adhering to video clip papers a training session on Bankruptcy Legislation that occurred on June 28, 2013 in Bloomington, Minnesota. The training was set up by Telephone call for Justice, LLC, a Double Cities-based non-profit that functions to link low as well as moderate-income individuals with legal sources. Part of our job is to train United Way 2-1-1 on the numerous Twin Cities lawful resources.

Ellen Krug, Executive Director of Ask for Justice, LLC, worked with the session and also carried out the training. The training session existed to Details as well as Referral Specialists as well as various other employees of United Method 2-1-1.

The details included in this video clip is not legal guidance. Viewers seeking lawful assistance must call a lawyer. If you are a Minnesota resident looking for legal support as well as incapable to afford an attorney, you should call United Means 2-1-1 by calling 2-1-1.

At different places in the video, there might be references to “Zoey” or “Zoey Zalopa.” This is an imaginary character utilized for objectives of exemplifying references to various legal resources.

Credit Counseling and Financial Management Course Requirements in Personal Bankruptcy

Credit Counseling and Financial Management Course Requirements in Personal Bankruptcy

Thinking about filing for bankruptcy? Before you can file you are required to take a credit counseling course and submit the certificate of completion along with your petition and schedules. After you file, a second course and certificate are required to qualify for a discharge.

In this video, I explain what is involved with these two mandatory bankruptcy education courses.

Here is a list of approved vendors:

Here is a link to my Atlanta bankruptcy web site:

Jonathan Ginsberg
Atlanta bankruptcy attorney
Ginsberg Law Offices
1854 Independence Square
Atlanta, GA 30338
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