Oct 12

Spendaholics

Uncategorized

Are your spouse’s spending habits your problem? The personal advice column in the Wisconsin State Journal recently had a question from a husband whose wife seemed to be a spendaholic.  She buys lots of stuff online, using various credit cards.  The husband’s concern was that if something happened to the wife, like death, he would […]

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Oct 05

Accidents are not intentional.

Uncategorized

They are unintentional mishaps, usually occurring because of negligence. Negligence claims, such as personal injury suits, can be won if the injured party can prove that the driver who cause the accident, called the tortfeasor, had a duty and breached that duty, which caused the accident and resulted in damages. These elements are usually found […]

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Oct 01

The Changing Face of Agriculture

Uncategorized

This past weekend, I went with my family, including my granddaughters, to a Wisconsin apple farm.  The farm sold apples and pumpkins, raspberries and honey, donuts and cider and lots more.  This farm had transitioned away from growing corn and beans to having become a diversified mix of profit centers.  We spent several hours there […]

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Sep 30

Happy Early 15th Birthday, BAPCPA!

Uncategorized

“I thought you had to wait six years between Chapter 7 filings.” “What’s credit counseling? I didn’t have to take that the last time I filed.” “What is the means test?” In the last 15 years, we’ve heard these questions and more, and you can thank Congress for this. They passed a law signed by […]

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Sep 22

Bars and Restaurants Could be Facing Fines…

Chapter 11 Bankruptcy , Chapter 13 Bankruptcy , Financial Problems , General Bankruptcy

What will happen when they file bankruptcy? Dane County is warning bars and restaurants that it will soon be imposing fines for violations of its various health code orders imposed in connection with COVID-19.  Already struggling establishments must now enforce limited capacity orders, mask requirements, and social distancing restrictions.  Many find it is difficult to […]

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Jul 23

Credit Reporting Agencies and Liability of Debts

Blog , Credit & Credit Scores

Credit reporting agencies (CRA) do not determine whether or not you are liable for a debt.  The Fair Credit Reporting Act (FCRA) was designed to ensure that credit information is accurate.  Credit reporting agencies are required to investigate any disputes alleged by consumers and to correct any errors if the investigation does not validate the […]

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