Notes & guidance

Plain-English answers to the questions people ask me most.

Short articles, written slowly. New ones appear when something is worth saying — not on a schedule.

What to do if you can't pay your taxes

Owe more than you can pay? You have real options — installment plans, hardship status, even reduced settlements. Here's where to start.

Two paths through bankruptcy, two very different journeys. A plain-English comparison so you can see which one might fit your life.

Wage garnishments, bank levies, threatening letters — there are concrete steps that can stop them quickly. Here's how it actually works.

Bankruptcy isn't the first answer — but it's also not the last resort people fear. Here are the honest signs it might be the right tool.

A free consultation

If something here applies to your situation, the next step is a free, confidential conversation. No pressure — just answers.