Believe it or not, laughter is not uncommonly heard in my consultation conference room. We care deeply about the issues around debt and money, and it touches us down to our unconscious where our funny bone lies. Yes, tears are shed in that room too, but laughter is much more common, ...

Nationally, almost a quarter of all homes with mortgages are “underwater” now. I’m talking figuratively, of course, as this is California, not New Orleans. Any home which is worth less than the mortgages against it is “underwater” in financial terms. However, most of these “distressed mortgages,” as they are sometimes called, ...

The Cash for Keys program (or “CFK”) is something that can help you out if you have to leave your foreclosed residence. 

When a foreclosure occurs the title changes from you to your lender, or whoever purchased the property at the foreclosure. Now they own the property, ...

We were at the cusp of a new era in finance when the old system nearly collapsed last year. Then the government bailed out the old system and it could go on its merry way having been rescued by us taxpayers. There is still no meaningful reform and the bankers are paying themselves just as exorbitantly as ever, ...