Ever wonder why your insurance co. won't total your car? At around 70%, they will consider it. In my case, repairs likely exceeded 100% of the value. Depending on whether it is to your financial advantage, you should review the claims filed, esp. supplements, or, accept the loss as I did. 👇

Funny, all these people who claim that people are "broke" b/c they buy $7 coffee at Starbucks. 1- Starbucks has closed 200+ locations, so apparently, not everyone is going. 2. Everybody I know is in the same boat, and yet, none of them go to Starbucks.

Same injury, but depending on which bankruptcy is filed, the two outcomes are completely different. In Chapter 7, the Bankruptcy Trustee takes the non‑exempt cash, usually most of it. In Chapter 13, you keep the claim but pay its value through the plan. Below you will find today's article 🔗

If AI makes everything, who can afford to buy it? The AI boom doesn’t add up. So far, it’s a money-losing model to a shrinking tax base and the myth of an “AI proof” career. The contradictions look a lot like the Dot Com bust, only bigger. Full video below👇

One deportation. One missing paycheck from the household, child support stops, and debt increases, and families get buried fast. The snowball effect is real, and it’s reshaping household finances in 2026. bankruptcy.blog/2025/06/chil...

Regarding my post on car loans, now this...

Lol.

Looking to buy a car? Read his responses. A A minute will save you $$$$ 👇

Car payments are now averaging $773, with 20% of buyers paying over $1,000 a month. Auto debt is stretching households to the breaking point, and delinquency rates are near the Great Recession levels.

USDA’s 2026 forecast is tightening farm margins, and fertilizer prices are spiking due to the Iran conflict. Those higher input costs hit producers first, then consumers at the checkout line. Grocery prices are likely to rise.

Tariffs made the headlines & also made household budgets more strained as inflation, fuel costs, & the Iran War are pushing families toward bankruptcy and foreclosure. If your income feels smaller and your bills feel bigger, you’re not imagining it. Updated analysis below 👇

Filing for bankruptcy doesn't just wipe out your debt; it also affects a personal injury case you have. In today’s article, part 2 of the series, learn the process involving your bankruptcy case and your personal injury claim. Read the full process breakdown below👇 bankruptcy.blog/2026/04/pers...

The figures on medical debt and bankruptcy are sobering. The reality is simple: Affordable healthcare isn’t socialism. It’s basic humanity. No one should go bankrupt just because they got sick.

With the rise of "accidental landlords," meaning homeowners who couldn't sell their homes are now renting them out, what happens as a tenant if your landlord files for bankruptcy? Here's my guide on what happens 👇 bankruptcy.blog/2026/04/land...

Kinda odd that after handling thousands of divorce cases, representing endless Muslims, with my first client a Muslim, I never came across this issue. Maybe b/c it's not an issue? Kinda like the "voter ID/fraud issue."🤔

Political instability creates financial instability. We are experiencing a labor shortage, inflation, rising fuel costs, and rising foreclosures and bankruptcies for 13 consecutive months. Full article 👇 bankruptcy.blog/2025/02/poli...

Car accidents are unavoidable, but what happens to the funds you will receive if you have to file for bankruptcy? How much can you keep? It’s a valid concern that I discuss in today’s article. Read the Full Guide to Protecting Your Settlement ⬇️ bankruptcy.blog/2026/04/pers...

I honestly have no response to Steve Bannon's conviction being overturned by SCOTUS. In all honesty, WTF? The rule has always been simple: YOU CANNOT IGNORE A SUBPOENA.

Notice we are always told we will work less but they never say we will earn more?

The robot dog cop in Atlanta waving at you is cute, just understand the consequences....

What I'll never get about Corporate America: 1. Massive Profits? Then lay off thousands. 2. Massive Losses? CEOs make millions. Shouldn't that be reversed?

Most see the Hooters closings as a sign of failure, but, I see the same strategy for debtors with being able to reject expensive leases, whether it’s an underwater car lease or an unaffordable apartment. bankruptcy.blog/2025/04/hoot...

Nothing like when it hit home. For obvious reasons, I've cut ties with many in Miami. Their social media posts are appalling. I wish every Cuban-American in Miami would read this. english.elpais.com/internationa...

There won't be any in Florida due to the brilliant idea of no real property tax.

@realphilgold.bsky.social I got 2 pallets, cut them up. Old kitty litter boxes, & left over paint. I have tons of pallets since I'm using them to cover walls on steel garage. In some parts I won't even have to cut them. But either way, above ground.

We are experiencing Great Recession levels!

Is the AI revolution a utopia or a systemic collapse waiting to happen? The math on the current AI "boom" simply doesn't add up. Read today’s article 👇 #AIEconomy #LegalIndustry #Macroeconomics #BankruptcyLaw

When will enough be enough........

Under the proposed 2027 budget, the Trump Administration requests more than 25% more cuts to the National Park Service.

Is the AI revolution a collapse in the making? AI is currently not profitable! The Death of the Tax Base: If robots don't pay income or property taxes, who funds our courthouses, roads, and police? Moving to the trades isn't the "AI-proof" magic bullet people think it is. youtu.be/8HlN7-2bOsk

Great Idea!👍🏨

I believe in bartering/exchange services. Skip the tax man. Then, do the shared economy. For ex: instead of everyone buying a mower, that you can't use everyday, 3 neighbors buy/share the mower. You save $$, govt gets less taxes, collapses the system. Then they will tax the billionaires.

In Bankruptcy, judges have 14 year renewable terms. That is a long time. To a certain extent, lifetime appointments make sense, but my issue is that SCOTUS appointments are made purely on luck. The Supreme Law of the Land should not be based on LUCK or lack thereof.

Nobody knows more about debt than me.

Car payments are officially out of control. These numbers explain why so many Americans are drowning in auto debt.

The March jobs report will be released today.

Time for a scratch and dent sale on the White House lawn.

It still applies. Are you a liberal prepper? Should you be? Short video 👇

Analysts at Bank of America forecast $100 per barrel oil prices persisting all year bc of the Iran War even if it ends soon.

Flying just got more expensive. NewTSA rules will require see-through carry-ons. Let me guess, it gives ICE a reason to stop you...

Cuz Vinny visits SCOTUS.

I say 2 decades to undo it all. What do you think?

@realphilgold.bsky.social I told you- Wolverines. The prep starts with practice.

Whatever happened to "trickle down economics"? Larry Ellison, worth $180 BILLION, bought an island in 2012 for $300 million! Today, he laid off 30k employees as the push for AI continues. In case you haven't noticed, it ain't trickling!

I posted earlier issues/unanswered questions because of AI. Now, Oracle has laid off 30,000 employees by email, because of.... You guessed it- AI!

With the U.S. sudden interest in Cuba, the U.S. economy is officially “Cubanized.” Tariffs increased costs, 14‑year‑old cars, DIY repairs, wage garnishments, accidental landlords, and rising foreclosures. It’s the new American survival model. Full analysis 👇

I never considered the just "good enough" angle but I agree.

What am I missing?

Can someone explain to the Russian billionaire that the layoffs we are experiencing have nothing to do with people not working more, but that there is no work to do more of.

Thinking of renting out your house to save it? Accidental Landlords are trying to outrun rising taxes/insuranceby renting their properties. But if they have to file for bankruptcy, they will lose their home. Read my full article 👇