Bankruptcy is not something that should be taken lightly. There are many factors that go into declaring bankruptcy, before making this decision it is important that you completely understand what filing for bankruptcy means, and how it will affect … more

The United States Security and Exchange Commission opened up an investigation into American Pension Services, and founder Curtis L. DeYoung.  APS serviced roughly 5,400 investors retirement funds.  From these 5,400 individuals accounts, nearly $23 million dollars have gone missing. If … more

When you are considering filing a Chapter 7 and surrendering your property, there are many options available. Often the bank or lender will attempt to get you to do a short sale. This is in their best interest, not yours. … more

Interest rates for many loan modifications are due to be reset. The Treasury Department launched its Home Affordable Modification Program (HAMP) in 2009 and modification activity peaked in 2010.  At the time, the prevailing mortgage rate was 5%, but servicers reduced … more

Christensen Young & Associates co-hosted a client appreciation night along with Cambridge Financial Center and Fringe Benefits on March 25, 2014. We would like to thank all of those who came out.

Personal Representative: Do I need to pay the deceased’s credit card? When a loved one passes away settling their affairs is never easy.  This is often complicated when the decedent had outstanding debts, such as credit cards, mortgages, etc.  As … more

Workers compensation independent medical examinations. Truth or fiction? They are not independent! Every week injured workers are scheduled for independent medical examinations, “IME” by workers compensation insurance carriers.  We always discuss with our clients the do’s and don’ts of attending … more

Statute of Limitations A statute of limitations is a law which places a time limit on pursuing a legal remedy.  Unless you institute a legal action within the time prescribed by law (without an applicable legal exception), you may be … more

No call, no text, no update is worth a human life. Distracted driving accidents lead to thousand of fatalities every year, with hundreds of thousands of people being injured, disfigured, scarred and traumatized for life.  In response to these statistics, … more

HOW TO FIGHT HOSPITAL NEGLIGENCE IN OVERCHARGES ON YOUR BILL Part 1 Are you willing to pay $25.00 for a single aspirin? It may sound outrageous, but many hospital bills contain outrageous charges for items that are marked up over … more