Have you ever looked at the sorry state of personal finance information out there?
Books written by people with absolutely no experience or credentials shoot to the top of the bestseller lists. Blogs purporting to help solve personal finance problems churn out nothing more than endless streams of coupon codes and affiliate marketing offers. There’s no end to the crap that consumers get shoveled at them, yet they eat it up.
It’s like the diet industry. All the late-night informercials are selling pills that do nothing, yet Americans run to their phones at 3am and beg for overnight shipping. We all know it’s al illusion, yet we buy into it over and over again.
Over the course of approximately 15 years I’ve had the privilege of meeting thousands of people who are over their heads in debt. For many, bankruptcy has been a welcome means of obtaining relief from their debt problems. For others, the federal laws have offered no help.
