Russell A. DeMott is a Charleston, South Carolina bankruptcy lawyer who represents consumer debtors in Chapter 7 and Chapter 13 bankruptcy. He is the author of the Charleston Bankruptcy Blog. He is also a member of the South Carolina Bankruptcy Blog. He files bankruptcy cases for clients in the Charleston, South Carolina division, which runs from Myrtle Beach to Beaufort. The DeMott Law Firm also represents clients in foreclosure defense and mortgage modification. You can also connect with Russ on Google Plus Russell DeMott. Russ can be contacted directly at (843) 695-0830 or by email at


Author: Russell DeMott, Charleston Bankruptcy Lawyer

03 Jun Budgeting After Bankruptcy (Part One)

Bankruptcy is about a fresh start, a new beginning. For many people, that means establishing good spending and saving habits. To be sure, not everyone who files bankruptcy does so because of spendthrift ways. But many do. And even those who file because of the big three causes (job loss, divorce, medical) could use some help with their budgets. "But I Hate Talking about Budgets!" Me, too. Let's face it: budgeting is about as much fun as a root canal. But sometimes both are necessary. The goal of these posts will be to come up with a streamlined, simple approach to budgeting. It's not ideal, but it's a whole lot better than bumbling through life with no goals or progress. And it's definitely not going to be as painful as a root canal.
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16 Apr Student Loans and Bankruptcy: Zen Buddhism to the Rescue!

I just finished listening to a discussion on the radio about discharging student loans in bankruptcy, and it occurred to me that we could learn a lot from "The Middle Way" of Zen Buddhism in our approach to this issue. "The Middle Way" is a term Siddhartha Guatama (hereafter "The Buddha") used to describe the path to liberation. In fact, he apparently taught this concept immediately after his "enlightenment" in The Setting in Motion of the Wheel of Dharma. The idea of "The Middle Way" is that we should take a "path of moderation between the extremes of sensual indulgence and self-mortification." The Apostle Paul echoed this several centuries later by encouraging the early church to, "Let your moderation be known unto all." (Yes, I know I'm mixing religions here, but stay with me.) But I'm not a Buddhist! No worries. Neither am I. But I think The Buddha had a point, and I think it's something we can learn from here in America in the 21st century.
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