Bankruptcy Attorneys Columbia

Financial Stress

Financial problems can cause strain in all areas of your life. Bankruptcy can be a way to rebalance your life.

Take the Right Steps

Getting out of financial trouble is easier than you think. By taking the right steps you'll get back on solid financial ground in no time.

The Right Help Makes All the Difference

Working with experienced and reliable attorneys can make the bankruptcy process smooth and as beneficial as possible for you. Call us today for a consultation.

Tying Up Loose Ends

Bankruptcy is a way to make sure your creditors no longer have power over your life. Let us help you get back in control.

Owner of “Tacky Lights” Home Faces Foreclosure

In Henrico County, the owner of the popular “Tacky Lights Tour” house could possibly lose his home. The owner’s wife recently lost her job and his overtime hours have been cut, making it difficult to make payments.

HENRICO COUNTY —
For decades, the Phifers of Henrico County have been known for the elaborate Christmas displays at their homes. Sitting next door to each other on Asbury Court in the West End, the two houses owned by the family are fixtures on the “Tacky Lights Tour.” They have even been featured on a national television program.

But this is not a happy holiday season for the man responsible for decorations that fill so many hearts with joy. He’s worried that he might lose his home.

“This may be our last year, against our will,” Bobby Phifer told CBS 6 on Monday night.

Phifer does the decorations outside his home, and his mother’s home next door. He says that his wife recently lost her job, and he has seen his overtime hours cut. Now, the family is facing… continue reading

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Rebuilding After Foreclosure

Going through a foreclosure is very difficult, but there are ways to pick yourself back up afterward and start to rebuild your credit. There are steps to take right away so that you can become a homeowner once again.

If you’ve been through a foreclosure, you may wonder if there is hope for you to become a homeowner again. Yes, but it will take awhile.

“It doesn’t mean you’ll never be a homeowner again,” said Linda Davis-Demas, director of housing at Consumer Credit Counseling Service of Greater Dallas.

But you’ll need to examine what caused you to fall behind on your mortgage and take steps to fix the problem.

“You have to look at what were the reasons you didn’t make the payment,” said Davis-Demas. “Was it budgeting? You can modify that type of behavior.”

A foreclosure is a major hit to your credit history and stays on your credit report for seven years.

“Foreclosure is one of the FICO seven deadlies,” said credit expert John Ulzheimer, referring to… continue reading

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