Five Amazing Facts About Bankruptcy

Discover the untapped power of bankruptcy, a secret weapon of the financially savvy. Here are incredible facts most people overlook: 1. You can become a homeowner in just two years after bankruptcy. It’s truly mind-blowing! Imagine the relief of shedding your...

Behind on Car Loan? Delinquencies Hit Record High.

By John G. Merna, Esq. Inflationary pressures have pushed sub-prime car loan delinquencies to the highest level since 2007, according to Bankrate.com.  As many consumers are behind on car loans as was the case as we entered the 2008-2009 Recession.  As is always true...

Foreclosures Are On The Rise. Some Warnings.

By John G. Merna, Esq. Foreclosures are increasing at an alarming rate. Recent data from MarketWatch shows a staggering seven-fold surge in foreclosures during the first month of this year. According to their reliable sources, approximately 33,000 mortgages have been...

The Complete Guide To Garnishment Exemptions Law

What You Need to Know About Garnishment Exemptions by John G. Merna, Esq.   Introduction: What is a Garnishment? A garnishment is a legal process that allows judgment creditors to collect money from the judgment debtor’s wages, bank account, or other...