For many of us 2025 provides both concern and hope.  We are all concerned that the continued impact of high interest rates, the high cost of necessities like food and energy, as well as continued world wide instability will continue to create financial challenges for our families.  Although we have very little control over the larger issues that will dominate 2025, there is hope.  We can all make decisions that have the potential to make a difference for our families in 2025.

Whether or not bankruptcy is an option for you, or the best option for you and your family, is a critically important question that Kinkade & Associates has been working with clients for over twenty years to answer.  Our experience, dedication, knowledge and high level of customer service provide us with a high level of confidence that we can work with you to develop the proper debt relief strategy.  Debt relief is all we do.

This question, and getting to the answer for our clients, is our mission at Kinkade & Associates.  We are absolutely confident that we can get to the right answer for you and your family.  This confidence is based on the fact that at Kinkade & Associates we have counseled individuals and families about their options for debt relief for just over 20 years.  Debt relief is all we do.

In many ways 2024 will continue to be a year of uncertainty; the impact of rising interest rates, the increasing cost of necessities like food and energy, the lingering effects of the covid pandemic, the upcoming election, economic uncertainty and worldwide instability will continue to create financial challenges.  As individuals and families, we have very little control over the larger issues that will continue to impact us in 2024.  However, there are things we can all do that will potentially make a difference for our families in these uncertain times.

As we once again pass from the season of hope and celebration and enter into a new year are you looking forward to taking steps to resolve issues in 2023

October, 2022 Generally, for most borrowers, student loans remain non-dischargeable in bankruptcy.The burden on the borrower to prove “undue hardship” is an insurmountable standard for most borrowers to attempt to