David Hoyer - Articles

Getting Divorced? Save Your Credit History First

Forty-three out of all first marriages end in either divorce or separation sometime within 15 years of being married. Divorce can often have a devastating emotional impact on the two partners. But the financial affects on all parties involved can be just as life changing as the emotional affects. Read

By: David Hoyer | 18/07/2008 | Personal Finance

The Real Goals of Keeping a Budget

No one likes to budget. But unless we are independently wealthy through inheritance, the lottery, hard work, or some other means - we are going to have to learn to take control of our money if you want to achieve any of your financial goals and dreams. Read

By: David Hoyer | 07/04/2008 | Debt Consolidation

Bankruptcy - Why People File

Of all the people that file for personal bankruptcies, nearly 40% of them file due to some financial crisis outside of their control. In many cases this financial crisis is some serious health issue. Read

By: David Hoyer | 11/12/2007 | Debt Consolidation

Before you Declare Bankruptcy - Wait

It used to be that if for whatever reason, you found yourself drowning in a sea of debt, you could always depend on filing for bankruptcy as your last lifeline to solvency. The new bankruptcy law, effective as of October 2005, changes all of that. Read

By: David Hoyer | 26/10/2007 | Debt Consolidation