(ARA) – Until recently, Ken Goins of Woodland Hills, Calif. was like most Americans — he carried a balance on several credit cards. The weight of the balance became heavier and heavier, and Goins just wanted to end his debt.
The average American has 13 credit obligations on record at a credit bureau, and 36 percent [...]

When people or businesses are having a tough time paying their bills there are a few options through the courts to help them through troubled financial times. For businesses one of the types of bankruptcy, Chapter 11, gives the business time to reorganize their business model and financial situation before creditors can seize assets of [...]