Author Archives: Jill Gartz

How Bankruptcy Protection Measures Can Reduce Stress

By Jill Gartz | Published March 25, 2026

Bankruptcy can take a significant emotional toll. Many people experience feelings of guilt, shame, frustration, or helplessness when facing financial hardship. While these emotions are common, bankruptcy can also be an opportunity to reset your finances and move forward with greater stability and peace of mind. Continue reading »

Estate Planning After Divorce

By Jill Gartz | Published March 18, 2026

Divorce is a major life change, and your legal documents should reflect that new reality. One of the most important—and often overlooked—steps is updating your estate plan. Below are key areas to review to ensure your wishes are properly documented and protected. Continue reading »

Do I Really Need a Will If I Don’t Have Much?

By Jill Gartz | Published March 11, 2026

A will provides direction and clarity for your family when you pass away, regardless of your net worth. We all eventually die, and having a will makes a big difference in ensuring a smooth transition. Continue reading »

Why Small Business Owners Need Bankruptcy Protection

By Jill Gartz | Published March 4, 2026

Total bankruptcy filings in the United States continue to rise. In 2025, business filings increased by 7.1 percent to just over 24,700, while non-business filings jumped 11 percent to nearly 550,000. Bankruptcy is not only common—it can also take a significant emotional and financial toll. Understanding the available options can make a critical difference. Below are common causes of bankruptcy, alternatives that may help avoid it, and the protections available if filing becomes necessary. Continue reading »

How to Move on Following a Foreclosure

By Jill Gartz | Published October 29, 2025

A foreclosure can be very distressing for an individual or family. The good news is, you can rebuild your life and move on. Here are some ways to get your finances and confidence back on track. Continue reading »

How Filing for Bankruptcy Affects Your Tax Refund

By Jill Gartz | Published October 15, 2025

Filing for bankruptcy is one of the hardest decisions an individual will ever make. It’s scary, shatters confidence, and leaves you vulnerable to an uncertain future.

A common question many people have is what will happen to their annual tax refund if they file for bankruptcy. Individuals can file for Chapter 7 or Chapter 13, but in both cases, the bankruptcy trustee can keep your refund. The good news is that there are steps you can take to soften the blow. Continue reading »

How to Protect Yourself Against Bankruptcy

By Jill Gartz | Published March 26, 2025

Bankruptcy is a legal process that kicks in when people and businesses are unable to pay their bills. While it gives you a fresh start, bankruptcy should only be used as a last resort. Here are some tips to help guide your decision. Continue reading »

Top Mistakes Made in Estate Planning

By Jill Gartz | Published March 19, 2025

It’s hard for just about anyone to think about their own mortality, let alone plan for it. However, ignoring the inevitable can cause big headaches for those who stand to gain your assets. Here are the top mistakes people make in estate planning, and how to avoid them. Continue reading »

How a Small Business Can Survive Commercial Litigation

By Jill Gartz | Published March 12, 2025

Small businesses are popping up every day, but many won’t survive. Financial woes, such as legal problems, can be a big contributor to failure. In fact, 45 percent of them are tied up in some type of litigation and the average liability suit costs at least $54,000. Here’s how to cope if your small business is targeted. Continue reading »

How to Avoid Credit Card Debt

By Jill Gartz | Published March 6, 2025

The concept of “buy now, pay later” is a sure-fire way to credit card debt. This happens when you overspend and end up paying only the monthly minimum on the ‘plastic money’ you used. Trouble is, credit cards typically have interest rates for unpaid balances that quickly add up over time. Here are some practical tips to ensure your bank account stays in the black. Continue reading »