Van Horn Law Group Blog

Debt Consolidation for Medical Bills, What is the Best Approach?

Posted by Chad Van Horn on Mar 25, 2016 8:48:59 AM

Q: I was in an accident while on vacation and it turns out that the ER staff and the ambulance are not a part of the in-network hospital, but out-of-network contractors. On top of that, I have bills from out-of-network doctors I never even saw who say that they “consulted” and are billing me. It was a serious accident, I’m still recuperating, I’m waiting for a settlement, but the damage to my finances may be terminal. I’m considering bankruptcy or debt consolidation, because I’m not sure how to even get started. 

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Topics: Get Out of Debt, Debt Consolidation

Tips for a Financial Spring Cleaning

Posted by Chad Van Horn on Mar 23, 2016 9:50:38 AM

It’s time to talk about spring cleaning! Financial spring cleaning.

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Topics: Get Out of Debt, Debt Consolidation

How Does Bankruptcy Work? Or is Debt Consolidation Better?

Posted by Chad Van Horn on Feb 26, 2016 7:30:00 AM

Sometimes the New Year wastes no time kicking you right in the butt. For those of you looking at a bleak 2016 because of your financial situation, there are some hard choices ahead as you decide what to do about mounting debt and the havoc it’s wreaking on your life and future security. You may be considering two different avenues – debt consolidation with a loan or asking how does bankruptcy work? Both are good avenues to clear your debt, but both have some pros and cons that you’ll need to consider before you make a decision. 

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Topics: Bankruptcy, Debt Consolidation

Debt Consolidation Companies: What You Need to Know

Posted by Chad Van Horn on Feb 4, 2016 7:09:08 AM

When you’re in debt and can feel yourself sinking under the weight of too many minimum payments, it can cause you to become a little (or a lot) desperate. You need to get out from under all the payments, but have no real idea how to do anything but tighten your belt and reduce your spending. There are a lot of ways to reduce your debt legitimately, but there are also a lot of less than legitimate companies out there that prey upon that desperation to sell you services that are illegal or that simply don’t work. It can be hard to tell the black hats from the white hats in this, but one of the ways that many people turn to are debt consolidation companies.

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Topics: Get Out of Debt, Debt Consolidation

New Year's Resolutions: The How Did I Get In Debt Edition?

Posted by Chad Van Horn on Dec 23, 2015 7:30:00 AM

2016 is just around the corner, and so are the New Year’s resolutions. A lot of us make resolutions – 62 percent versus the 38 percent who don’t bother – but only eight percent say that they are successful in keeping them. That’s a pretty small number. Maybe it’s the resolutions we make and the way we approach them that makes for the stumbling blocks. After all, problems that need a resolution didn’t form overnight, and they can take a long time to resolve.

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Topics: Get Out of Debt, Bankruptcy, Debt Consolidation

Getting Out From Under Credit Card Debt

Posted by Chad Van Horn on Nov 17, 2015 12:25:00 PM

Getting into debt with your credit cards is simple. Lately it seems that there’s always a new pre-approved offer showing up in the mail, either from a major bank, card company like Discover, or from stores who want you to spend, spend, spend. It can make you feel like you’re pretty much a fiscally responsible person. After all, they wouldn’t be sending these cards to you if you weren’t, right? So, off you go, and when the paycheck doesn’t quite cover things, you put little things like gas and groceries on the cards, too. Before you know it, you’re running four and five figure balances on every piece of plastic you own and that check’s going mostly on servicing that debt.

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Topics: Get Out of Debt, Debt Consolidation, Credit Restoration

Things to Consider When Consolidating Debt

Posted by Chad Van Horn on Mar 19, 2015 8:00:00 AM

Debt can be a crushing burden, particularly when you have multiple bills coming in. Mortgage payments, credit card payments, student loan payments, and more can quickly eat up your paycheck and leave you with nothing to live on. It gets even worse when your creditors start submitting your debts to collection agencies. One of the ways you can gain relief is through consolidating debt. Here are some things you’ll want to consider.

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Topics: Debt Consolidation

Debt Consolidation or Bankruptcy? Determining the Best Solution

Posted by Chad Van Horn on Mar 9, 2015 11:56:08 AM

Anyone under crushing debt will desperately want to get out. Debt does more than suck away your money. It adds stress and limits your options. Both debt consolidation and bankruptcy are possibilities when it comes to restructuring your finances and getting a new lease on your financial life. However, they aren’t created equally.

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Topics: Bankruptcy, Debt Consolidation


About Chad Van Horn


Chad T. Van Horn, Esq. is a South Florida business leader and founding partner attorney of Van Horn Law Group, P.A. Through a combination of dedicated philanthropy, spirited entrepreneurship and legal expertise, he applies his resources and network to helping people. Learn more about Chad Van Horn.


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