• Jeff Michael: Repair Your Credit and Knock Out Your Debt

    Jeff Michael: Repair Your Credit and Knock Out Your Debt
    I highly recommend this book because I wrote it.

  • Edie Milligan: Tips from the Top: Targeted Advice from America's Top Money Minds

    Edie Milligan: Tips from the Top: Targeted Advice from America's Top Money Minds
    I have about a dozen entries in this book.

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Speaking of media bias...
This is a poll only a Republican could have written.

Jeff, throughout this whole BK-reform debate and hurry-up-and-wait implementation (since what, 1996 or 8?), I've had little interest. Personally, I loath the kinds of politics (on both sides) that always seeks for government to legislate some sort of advantage to one industry over another. As such, I've ignored both those who predict fortune for my business (debt settlement) and those who predict doom.

In all the wrangling, I've yet to see anything that:

1) puts more money in people's pockets or lowers their living expenses significant enough to pay their debt faster.

2) puts more money faster in the hands of creditors or their collection agents.

My bet is that there will always be plenty of people with significant hardships who, whether BK exists or not--is easy or not--want to do the best they can to work something out with creditors.

I'm sure that you, from a CCC background, as I, from a DS background, understand the nature of the client. They aren't deadbeats. Deadbeats are no more going to follow a CCC or DS program than they are going to pay their debts as agreed.

Those who were inclined to just punt and file are still going to find a way to do so, and those who wish to avoid BK at virtually all costs (both CCC and DS clients) are going to continue to do everything they can reasonably do to avoid it.

This whole BK reform has been nothing but politics as usual, which is to say, virtually worthless.

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