John W. Hargrave & Associates offers free monthly educational seminars on topics such as: taxes, debt, lawsuits, foreclosures, wage garnishments, and bankruptcy. Check back every month to learn about upcoming seminar topics. This month’s free seminar is:

Eliminating Unpaid Taxes With Bankruptcy
Learn about your options
Next Free Seminar: February, 29 2012 at 7:00pm
If you owe money to the IRS, this FREE seminar is perfect for you. Most people, including professional tax accountants, think that taxes cannot be wiped out in a bankruptcy. Attend this seminar to learn why this is wrong and how you could save thousands and thousands of dollars with a bankruptcy. Seating is limited, so call 856-547-6500 today to reserve your seat.

Smart Choices in Hard Economic Times
Lesson One: Living Below Your Means
Date of Seminar: May 21, 2009, 7:00pm
Living below your means is one of the most important strategies you can live by. During this seminar, you will learn not only how to overcome the thirteen (13) assumptions that keep people broke, but also learn how to dramatically reduce your anxiety about paying your household bills. Finally, you will learn strategies you can immediately use to turn your day-to-day finances around.
Smart Choices in Hard Economic Times
Lesson Two: Understanding the Rules
Date of Seminar: June 18, 2009; 7:00pm
It’s hard to win if you don’t understand the rules of the game. During this seminar, you will learn how your credit score is determined and what you can do if there is something wrong on your report. Also, you will learn one simple strategy that will save you thousands of dollars. Finally, you will learn why your world won’t end if you get sued.
Smart Choices in Hard Economic Times
Lesson Three: Don’t Put All Your Eggs in One Basket
Date of Seminar: July 23, 2009; 7:00pm
Don’t get caught putting all your eggs in one basket. Learn the difference between active and passive income and how to recognize a Ponzi scheme. Also, learn why you shouldn’t have to work until your 65 and why owning a mutual fund is still having all your eggs in one basket.
Consumer Bankruptcy: The Basics of Chapter 7 and 13
A Practical Walk-Through of Filing Procedures
Date of Seminar: September 14, 2009; 9:00am – 4:30pm
This basic-level seminar on consumer bankruptcy provides the nuts and bolts of filing Chapter 7 and 13 from the debtor’s point of view. Using hypothetical clients and bankruptcy scenarios, experienced practitioners will lead you through each step of the process with sample forms, schedules, means tests, repayment plans, and code citations. If you’re new to the bankruptcy field, this how-to course will give you the practical knowledge necessary to guide your clients through the complex Chapter 7 and 13 filing processes.



