The Power of Knowledge

You’ve heard it before: Knowledge is power. And that’s certainly true when it comes to managing your finances and other important personal issues. But as with so many things in life, the key to living well is knowing how to keep it simple and in perspective.

The following are helpful online resources for more information about finances, bankruptcy and living the simple life.

48 Days

Interested in finding purpose in your work? Want to land your dream job or start a business? This website is the place to start!

The brainchild of Dan Miller, president of The Business Source, 48 Days conveys Dan’s belief in getting ahead through the many opportunities that exist today in the business world. He also believes that God gives special talents (gifts) to everyone. And once you recognize them, you can make the most of what He has called you to be in life.

Consumer Credit Counseling Service (CCCS)

Consumer Credit Counseling Service (CCCS) is a nonprofit, community service agency whose services are open to all members of the community. CCCS provides free, confidential budget counseling, community-wide education programs in money management, debt management programs for consumers who are overextended, and comprehensive housing counseling.

Crown Financial Ministries

This remarkable website is a treasure trove of useful financial tools and information, from a “Budgetometer” to analyze your spending, to a credit card minimum payment calculator. The mission of Crown Financial Ministries is “To see every follower of Christ in every nation faithfully living by God’s financial principles in every area of their lives.”

C.A.R.E. (Credit Abuse Resistance Education Program)

C.A.R.E. is a national program founded by the U.S. Bankruptcy Court, WDNY and the Bankruptcy Committee of the Monroe County Bar Association.


FAMIS is Virginia’s program that helps families provide health insurance for their children. The cost for this insurance depends on household income.

IMPORTANT! The Family and Income Calculator on the FAMIS Web site may incorrectly show that some families are ineligible for the program. Since everyone’s situation is different, be sure to call FAMIS at 1-866-873-2647 to see if your family can participate.

Virginia Consumer News & Information

If a deal sounds just a little too good to be true, the Virginia Department of Agriculture and Consumer Services says you might be right. This news and information page features frequently asked questions (FAQs) concerning landlord/tenant issues, plus consumer alerts and warnings that can save you time, money and headaches.

Clark Howard

Clark Howard and his team are here to help you be a better consumer, save money and avoid rip-offs.

Making Home Affordable

The federal government’s Home Affordable Refinance Program gives millions of homeowners with loans owned or guaranteed by Fannie Mae or Freddie Mac an opportunity to refinance into more affordable monthly payments.


The mission of HUD (the United States Department of Housing and Urban Development) is to increase home ownership, support community development and boost access to affordable, discrimination-free housing.

NeighborWorks® Resource Group

The NeighborWorks® Resource Group is a private, non-profit organization that creates opportunities for low and moderate income families in central Virginia to buy affordable homes and strengthen their communities.

Market-Rate Home Ownership

Want to buy a house but think there’s no way you can ever afford one? Through grants and financial assistance with down payments and closing costs, the Richmond Redevelopment and Housing Authority (RRHA) helps make new homes affordable for low- and middle- income families.

VHDA Quick Start

The Virginia Housing Development Authority’s (VHDA) Quick Start web page is designed to help you determine which home loan best meets your situation. Borrowers must meet all requirements related to income, net worth and other important factors.

Housing Counseling

Whether you want to rent an apartment or buy a home, you have a right to fair treatment and protection against discrimination. Housing Opportunities Made Equal, Inc. (HOME) offers counseling and a wide array of related no-charge services to help clients find and keep the most suitable housing.

Alternatives for Simple Living

Life doesn’t have to be so complicated…

National Association of Consumer Bankruptcy Attorneys (NACBA)

NACBA is the only national organization dedicated to serving the needs of consumer bankruptcy attorneys and protecting the rights of consumer debtors in bankruptcy.

NACBA has also played a critical role in many important court cases affecting the rights of consumer bankruptcy debtors by filing amicus briefs in U.S. Courts of Appeal and the Supreme Court, with many of those case decisions influenced by NACBA’s participation. In addition, NACBA provides the most comprehensive educational programs in the country for consumer bankruptcy attorneys with its annual convention seminars.

United States Bankruptcy Court
Eastern District of Virginia
Richmond Division

United States Trustee Program

The United States Trustee Program is a component of the Department of Justice that seeks to promote the efficiency and protect the integrity of the Federal bankruptcy system. To further the public interest in the just, speedy and economical resolution of cases filed under the Bankruptcy Code, the Program monitors the conduct of bankruptcy parties and private estate trustees, oversees related administrative functions, and acts to ensure compliance with applicable laws and procedures. It also identifies and helps investigate bankruptcy fraud and abuse in coordination with United States Attorneys, the Federal Bureau of Investigation, and other law enforcement agencies.


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