Joliet 9-25-19

SE PTE MBER 2 5 , 2 0 1 9 VOL . 12 I SS U E 4

# JOLI ETB U GLE YOUR COMM U N I T Y. YOUR NE WS .

IN THI S I SSU E E VENTS

Calendar Events Upcoming events in your area SEE PAGE 4

SP ORTS

Back to even JCA beats Fenwick, moves to 2-2

SEE PAGE 5

BU SI NESS

Dave Says Dave Ramsey’s Column SEE PAGE 7

jolietbugle.com

NEWS

YOUR COMMUNIT Y. YOUR NEWS. WEDNESDAY, SEPTEMBER 25, 2019 | BUGLENEWSPAPERS.COM

LOCAL NEWS

NEWS BRIEFS

Four arrested after Racing for Cause foundation takes place for fourth year gunfire in Joliet Joliet police investigated gunfire near Hunter Avenue and Allen Street

BY BRIAN STANLEY Bugle Staff

@BugleNewspapers bstanley@buglenewspapers.com Four young men were arrested Sept. 18 after Joliet police investigated gunfire near Hunter Avenue and Allen Street.

The incident began shortly after 9:30 p.m. when shots were heard and reported to police.

Officers reportedly found “several individuals near a vehicle in the 400 block of Hunter.”

As officers approached, Omar Galan, 26, and a 17-year-old boy “took off running,” police said.

A foot chase ensued before the pair were captured in a nearby backyard. A firearm allegedly found near the suspects had been previously reported stolen.

Galan, of the 300 block of Hunter Avenue, was arrested on charges of possession of a stolen

MORE INFO The incident began shortly after 9:30 p.m. when shots were heard and reported to police. Officers reportedly found several individuals near a vehicle in the 400 block of Hunter.

firearm, unlawful possession of a firearm, aggravated unlawful use of a weapon and resisting arrest.

Cristian Amriz, 18, of the 600 block of Third Avenue, and Brian Rivera, 19, of the 400 block of Hunter Avenue, were also arrested on charges of aggravated unlawful use of a weapon, possession of a stolen firearm and unlawful possession of a firearm.

The three adult suspects were booked into the Will County jail.

The 17-year-old was booked into the River Valley Juvenile Detention Center and faces similar charges.

Center for Disability Services host s event for good cause

BY RYAN OSTRY Bugle Staff

@RyanOstry_BR18 rostry@buglenewspapers.com

Last week, the Center for Disability Services (CDS) held its annual event “Racing for a Cause” for those who love sport cars, vintage automobiles and have a passion for supporting individuals with developmental disabilities.

This fundraising event that usually allows for a race and offers guests a rare opportunity to drive around world-class road course at the Autobahn Country Club in the opposite direction.

Unfortunately, because of rain this year, the race outside couldn’t happen.

While a group of cars did get together to follow each other to the event in unity, the program is very near and dear to one person’s heart that started it — Jim Keck.

Keck, who’s son Will died from Cerebral Palsy at nine years old, started the foundation with his wife Debbie.

“The event is a fundraiser for CDS,” Keck said.

The event, which is in its fourth year, raises funds that offer different opportunities for families that have a

child with a disability.

Camp SOAR (Special Outdoor Adaptive Recreation) is one of the main organizations that the funds get allocated to. SOAR provides services to help those with Cerebral Palsy, Autism and Down syndrome.

Money raised also helps the CDS, formerly United Cerebral Palsy, which makes it a mission to advance the independence of people with disabilities.

The CDS serves seven counties in Illinois, including Will.

“This will actually help fund some of those different projects we have at our school,” said Gina Wysocki, Development Coordinator at the CDS. “Ages three to 22 is the age range which it helps. Jim and Debbie’s son who was born with Cerebral Palsy was one of our students. Unfortunately he

passed away, but this fund gives parents and children opportunities they usually couldn’t do.”

Guests who arrive are usually able to buy a raffle ticket to drive an Aston Martin around the track, but event without that prize, they were able to enjoy a band, eat inner, and view vintage automobiles.

The limit is 125 people that has been set each year, and even though it has not been met so far because it is somewhat new, Wysocki said within a few years she thinks it will be met.

“Because this thing is still in its infancy stage we haven’t reached our goal of 125 people as of yet,” Wysocki said. “We usually have between 65 to 95 people here, and I know as more people come and talk about while enjoying themselves we will grow in the coming years.”

LOCAL NEWS

Man kills infant, self in murder-suicide An autopsy performed by Kendall County Coroner s office showed 18-month-old Colton Michael Miller was shot multiple times by his father, Christopher Michael Miller, 35, of Joliet

BY BRIAN STANLEY Bugle Staff

@BugleNewspapers bstanley@buglenewspapers.com A father and son are dead after a tragic domestic disturbance occurred Sept. 21 in Joliet.

When the SWAT team breached the house, they found the child and the 35-year-old man dead

from gunshot wounds, police said.

An autopsy performed by the Kendall County Coroner’s office showed 18-month-old Colton Michael Miller was shot multiple times by his father, Christopher Michael Miller, 35, of Joliet.

At 2:45 p.m. neighbors called police after hearing a woman

screaming from a house in the 8300 block of Buckingham Lane.

An officer arrived to meet a 32-year-old woman and 9-yearold girl with “fresh injuries” in front of the house, police said.

“The officer was (told) gunshots came from the house moments before his arrival,” police said.

Police learned the woman’s estranged husband was in the house with the former couple’s 1-yearold son.

A SWAT team and crisis negotiators were called to the scene, but were unable to communicate with the man inside.

The woman and her daughter were treated at the hospital for non-life-threatening injuries.

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NEWS

WEDNESDAY, SEPTEMBER 25, 2019 | BUGLENEWSPAPERS.COM

LOCAL NEWS

YMCA looking at village of Shorewood as potential site Foursquare Research will be paid $24,000 to develop a market study and survey 800 area residents, including 200 current YMCA members, selected by zip code

BY BRIAN STANLEY Bugle Staff

@BugleNewspapers bstanley@buglenewspapers.com Shorewood will be asking “Y?” The Greater Joliet Area YMCA will partner with the village to determine if there is a market and interest in building a facility in Shorewood — though “How long?” would be another great question.

“I view this as a marathon and we’re at the starting line right now,” Trustee C.C. DeBold said shortly

We re talking not a Shorewood facility only, we talking about a regional facility.

- Trustee Anthony Luciano before the village board agreed to split the cost of the initial survey.

“We’re talking not a Shorewood facility only, we talking about a regional facility,” said Trustee Anthony Luciano. The YMCA has two branches in Joliet, one in Morris and one in Plainfield.

Foursquare Research will be paid $24,000 to develop a market study and survey 800 area residents, including 200 current YMCA members, selected by zip code.

Foursquare, which has previously worked with the YMCA, will determine questions with input from three YMCA representatives and three village of Shorewood offi-

cials.

Mayor Rick Chapman will appoint Shorewood’s representatives, but trustees agreed DeBold or fellow Parks and Recreation Trustee Cookie Kirkland should be one of the selections.

“It sounds like you’ve got your act together...this will be a good thing for the community and hopefully, good for the Y too,” Trustee Dan Anderson told Greater Joliet Area YMCA President Jim Watts.

The survey is expected to indicate if it’s feasible to sustain operating a YMCA in Shorewood and the impact it would have on membership at the other Y’s in the area.

A facility would likely be constructed in phases and could include a fitness center, gymnasium and aquatic facilities. “(The survey) will tell us what’s wanted...for adults, youth programming, senior fitness, etc.,” Watts said.

LOCAL NEWS

Workforce Center to host weekly job fair September 26 Job fair to take place at 2400 Glenwood Avenue, Suite 100, Joliet The Workforce Center of Will County will hold its weekly job fair from 10:00 a.m. until noon on Thursday, September 26 at its location, 2400 Glenwood Avenue, Suite 100, Joliet, IL. A large number of area employers offering a variety of positions will be represented at this job fair.

Among the available positions are warehouse production associate, material handler, flex and security officers, forklift operators, custodians/cleaners, on-call nannies, tutors, CNC operators, distribution center supervisor, HVAC service and install technicians, machinist, maintenance apprentice, administrative assistant, aquatic instructor, before and after school care counselors, lifeguard, packers, cold storage packer, general

MORE INFO For more information about the job fair or any of the other services available at the Workforce Center of Will County, call (815) 727-4444 or visit the website: www.will.works laborer, general maintenance associate and warehouse associate. Participants are encouraged to bring a resume, dress professionally and be ready for an interview.

“This job fair is a great opportunity to find a good job,” said Larry Walsh, Will County Executive. “The Workforce Center of Will County works hard to bring the best opportunities for employment and additional training for our residents.”

For more information about the job fair or any of the other services available at the Workforce Center of Will County, call (815) 727-4444 or visit the website: www.will.works

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STAY I NFO R MED W I TH LEG A L LI STI NG S

LEGAL LISTINGS

WEDNESDAY, SEPTEMBER 25, 2019 | BUGLENEWSPAPERS.COM

REAL ESTATE (IMPORTANT note: This is a Foreclosure Notice. Please place this in the legal notice section on Sep 18, 25; Oct 2, 2019. After the first run, a copy of the notice needs to be sent to the Circuit Clerk.)

IN THE CIRCUIT COURT FOR THE 12TH JUDICIAL CIRCUIT WILL COUNTY - JOLIET, ILLINOIS The Bank of New York Mellon, the successor to JPMorgan Chase Bank, as Trustee for CIT Home Equity Loan Trust 2002-1 PLAINTIFF Vs. Mark Edwards; Gary Burton; Lajoyia Lata Holmes; Unknown Heirs and Legatees of Joyce Holmes; Unknown Owners and Nonrecord Claimants DEFENDANTS 19CH1229 NOTICE BY PUBLICATION NOTICE IS GIVEN TO YOU: Mark Edwards Unknown Heirs and Legatees of Joyce Holmes Unknown Owners and Nonrecord Claimants That this case has been commenced in this Court against you and other defendants, praying for the foreclosure of a certain Mortgage conveying the premises described as follows, to-wit: COMMONLY KNOWN AS: 715 South Joliet Street Joliet, IL 60436 and which said Mortgage was made by: Joyce Holmes the Mortgagor(s), to New Century Mortgage Corporation, as Mortgagee, and recorded in the Office of the Recorder of Deeds of Will County, Illinois, as Document No. R2000058942; and for other relief; that summons was duly issued out of said Court against you as provided by law and that the said suit is now pending.

YOU MAY STILL BE ABLE TO SAVE YOUR HOME. DO NOT IGNORE THIS DOCUMENT. By order of the Chief Judge of the Circuit Court of the Twelfth Judicial Circuit, this case is set for Mandatory Mediation on 11/5/2019 at 2:15 pm at the Will County Court Annex3rd Floor (Arbitration Center), 57 N. Ottawa Street, Joliet, Illinois. A lender representative will be present along with a court appointed mediator to discuss options that you may have and to pre-screen you for a potential mortgage modification. For further information on the mediation process, please see the attached.

NOTICE OF MANDATORY MEDIATION. YOU MUST APPEAR ON THE MEDIATION DATE GIVEN OR YOUR RIGHT TO MEDIATION WILL TERMINATE. NOW, THEREFORE, UNLESS YOU file your answer or otherwise file your appearance in this case in the Office of the Clerk of this Court, Andrea Lynn Chasteen Clerk of the Court 57 N. Ottawa Street Joliet, IL 60432 on or before October 18, 2019, A DEFAULT MAY BE ENTERED AGAINST YOU AT ANY TIME AFTER THAT DAY AND A JUDGMENT MAY BE ENTERED IN ACCORDANCE WITH THE PRAYER OF SAID COMPLAINT. CODILIS & ASSOCIATES, P.C. Attorneys for Plaintiff 15W030 North Frontage Road, Suite 100 Burr Ridge, IL 60527 (630) 794-5300 DuPage # 15170 Winnebago # 531 Our File No. 14-19-07362 NOTE: This law firm is a debt collector.

I3131426 Published 9/18, 9/25, 10/2

REAL ESTATE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. STATE OF ILLINOIS ) ) SS. COUNTY OF WILL ) IN THE CIRCUIT COURT OF THE TWELFTH JUDICIAL CIRCUIT WILL COUNTY, ILLINOIS U.S. Bank National Association, not in its individual capacity but solely as Indenture Trustee for the CIM Trust 2017-8 Mortgage-Backed Notes, Series 2017-8 Plaintiff, vs.

ZIGMAS MIKUZIS A/K/A ZIGMAS MIKUZIS JR.; DONNA MIKUZIS A/K/A DONNA M. MIKUZIS A/K/A DONNA NOLTE-MIKUZIS;

REAL ESTATE LVNV FUNDING LLC; STATE OF ILLINOIS; Defendant. No. 18 CH 0622 NOTICE OF SHERIFF’S SALE Public notice is hereby given that pursuant to a judgment entered in the above cause on the 19th day of March, 2019, MIKE KELLEY, Sheriff of Will County, Illinois, will on Thursday, the 17th day of October, 2019 , commencing at 12:00 o’clock noon, at the Will County Courthouse Annex, 57 N. Ottawa Street, Room 201, Joliet, IL 60432, sell at public auction to the highest and best bidder or bidders the following-described real estate: LOT 70, IN FIRST ADDITION TO BROOK FOREST NORTH, A SUBDIVISION OF PART OF THE NORTHEAST 1/4 OF SECTION 9, TOWNSHIP 35 NORTH, RANGE 9, EAST OF THE THIRD PRINCIPAL MERIDIAN, ACCORDING TO THE PLAT THEREOF RECORDED APRIL 13, 1973, AS DOCUMENT NO. R73-10408, AND CERTIFICATE OF CORRECTION RECORDED MAY 14, 1973, AS DOCUMENT NO. R73-13574, IN WILL COUNTY, ILLINOIS. Commonly known as: 620 Edgebrook Drive,

REAL ESTATE

REAL ESTATE SHOREWOOD, IL 60431 Description of Improvements: FAMILY P.I.N.: 05-06-09-201-023-0000

SINGLE

Terms of Sale: ten percent (10%) at the time of sale and the balance within twenty-four (24) hours. No judicial sale fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. All payments shall be made in cash or certified funds payable to the Sheriff of Will County.

In the event the property is a condominium, in accordance with 735 ILCS 5/15-1507(c)(1)(H-1) and (H-2), 765 ILCS 605/9(g)(5), and 765 ILCS 605/18.5(g-1), you are hereby notified that the purchaser of the unit, other than a mortgagee, shall pay the assessments and legal fees required by subdivisions (g)(1) and (g)(4) of Section 9 and the assessments required by subsection (g-1) of

Section 18.5 of the Illinois Condominium Property Act. Pursuant to Local Court Rule 11.03 (J) if there is a surplus following application of the proceeds of sale, then the plaintiff shall send written notice pursuant to 735 ILCS 5/15-1512(d) to all parties to the proceeding advising them of the amount of the surplus and that the surplus will be held until a party obtains a court order for its distribution or, in the absence of an order, until the surplus is forfeited to the State.

FOR INFORMATION PLEASE CONTACT: SHAPIRO KREISMAN AND ASSOCIATES, LLC. 2121 Waukegan Rd, Suite 301 Bannockburn, Illinois 60015 P: 847-770-4348 F: 847-291-3434 MIKE KELLEY Plaintiff’s Attorney Sheriff of Will County Published 9/25, 10/2, 10/6

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WEDNESDAY, SEPTEMBER 25, 2019 | BUGLENEWSPAPERS.COM

BASKETBALL SOCCER CROSS COUNTRY FOOTBALL SOCCER TENNIS BASEBALL SOFTBALL VOLLEYBALL TRACK & FIELD SWIMMING CHEERLEADING DANCE BOWLING FOOTBALL

EVEN

RECORD

After starting the season 0-2, Joliet Catholic has rolled off a pair of wins to even its record

BY RYAN OSTRY Bugle Staff

@RyanOstry_BR18 rostry@buglenewspapers.com After an uncharacteristic 0-2 start to the 2019 season, Joliet Catholic Academy football has recently hit a hot streak.

In their last two games, the Hilltoppers, now 2-2, have outscored their opponents 83-47.

Most recently, JCA defeated Fenwick 49-14 in the first game of the newly formed Chicago Catholic League/East Suburban Catholic White “The first drive of the game Fenwick marched down the field on us but with that interception that was huge to establish early,” coach Jake Jaworski said. “Even though that was their first drive of the game it was a big turning point for us.”

The interception Jaworski alluded to was a 93-yard pick six from junior cornerback Jabril Williams off of Fenwick sophomore quarterback Kaden Cobb with 7 minutes, 44 second left in the first quarter.

JCA capitalized on its first offensive possession of the game with a play-action pass from junior quarterback Anthony Napolitano to senior receiver Izaiah Murphy who was open for a 46yard touchdown which made it 14-0 with 4:37 to play in the first.

After Fenwick cut the lead to 14-7, Napolitano hit Murphy from

69-yards out to set up a three-yard touchdown run by sophomore running back Jordan Anderson, who finished the day with 16 carries for 141 yards and three scores.

Anderson, who has been getting comparisons to JCA graduate and former Michigan and USC running back Ty Isaac, said Isaac has been helping him become a better overall player in his young Hilltopper career to this point.

“Ty helps a lot fixing me on how I perform on the football field,” Williams said. “Maintenance, how I run and everything else, he’s a huge help.”

Sophomore quarterback Aiden Voss got in the action, as his first scoring pass went 40 yards to junior running back Ja’Aire Mack and made the score 28-7.

Voss and the Hiltoppers didn’t stop there either; when his second touchdown pass for 15-yards went to junior receiver John Ehrsam to make it 42-7 with 30 seconds left in the first half.

“Our defense was able to go out there and establish that physical presence up front,” Jaworski said.

“They set the tone for the rest of the game.”

In the second half, all Fenwick would get is one touchdown, and the Hiltoppers added a rushing score to finish off the game from senior running back Kenyetta Williams, who contributed to the ground game with 12 carries and 91 yards.

Sophomore running back Jordan Anderson stiff arms a defender in JCA s win over Fenwick.

PHOTO BY RYAN OSTRY

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6 SPORTS

WEDNESDAY, SEPTEMBER 25, 2019 | BUGLENEWSPAPERS.COM

Loss overshadows 17 saves from Esrada

A spectacular effort in goal by Yadira Estrada (SO/Monroe Center, Ill.) went for naught Saturday (Sept. 21) night as the University of St. Francis women’s soccer team dropped its Chicagoland Collegiate Athletic Conference (CCAC) opener by a 2-0 count to host Olivet Nazarene University.

Estrada stopped a career-best 17 shots on goal on the night and did not break until the game’s final 20 minutes.

Amanda Dotlich finally got a shot by Estrada at the 70:28 mark and Amanda Durbin added an insurance tally at 81:09 to account for the Tigers’ other goal.

Olivet Nazarene (4-2, 1-0 CCAC) finished the contest with a total of 37 shots taken, 20 of which were on goal. The other St. Francis save was a back save for a total of 18 saves on the night.

On the opposite end, the Saints were limited to just three total shots with

Litzy Mendez (FR/Joliet, Ill.) producing the only one on goal. That was stopped

by Jackie Poortinga, who authored her first shutout of the season for Olivet Nazarene.

The University of St. Francis men’s soccer team built an early 2-0 lead in its Chicagoland Collegiate Athletic Conference (CCAC) opener against Olivet Nazarene University, but could not hang on as the host Tigers rallied for three unanswered goals, including two in the second half, to come away with a 3-2 victory Saturday afternoon.

The Saints (3-2-2, 0-1 CCAC) got on the scoreboard early with Reuel ErastusObilo’s (SR/Potters Bar, England) unassisted goal coming in the first five minutes of the contest.

Just about 20 minutes later, he notched his second multiple-goal match of the season, taking a feed from Hameed Soberu (JR/Lagos, Nigeria) at the 24:02 mark.

Olivet Nazarene (2-2-3, 1-0) was able to get one of those goals back before halftime on Thomas Barboza’s teamleading fourth goal of the season.

The two teams then went scoreless for nearly 50 minutes before Olivet Nazarene’s Josep Prudencio again contributed to the Tigers’ scoring ledger.

After assisting on Barboza’s first-half tally, Prudencio tied the game with his unassisted goal at the 74:13 mark.

BUSINESS + REAL ESTATE

NE W S A B O U T LO CA L B U SI NESSES I N YO U R C O MMU NI T Y WEDNESDAY, SEPTEMBER 25, 2019 | BUGLENEWSPAPERS.COM

COLUMN >> DAVE SAYS

Become Debt Free Before Investing Ahead of investing is saving up an emergency fund of three to six months of expenses DEAR DAVE: My husband and I are in our 30s.

We have $15,000 in debt spread across student loans, credit cards, and a car payment. We make decent money, and we’ve each got around $50,000 in our 401(k) plans. What steps can we take toward becoming good investors?

HEATHER DEAR HEATHER: When you’re building wealth, everything will fall apart unless you have a rock-solid foundation. If someone has an eye toward investing, I always recommend they first become debtfree. Another thing I advise ahead of investing is saving up an emergency fund of three to six months of expenses. This is money you never touch, except in the case of a real emergency.

Once these two elements are in place, you’ve constructed that solid financial foundation from which you can begin building wealth. Most people skip these two steps, and jump right into funding things like 401(k)s, mutual funds, and Roth IRAs. These are all great investment tools, but when you do it this way it’s like building a house by starting the framing before you’ve laid the foundation. This kind of approach is likely cause setbacks and all kinds of other problems down the road.

What I’m recommending makes up the beginning Baby Steps in my plan. The very first Baby Step is to get a starter emergency fund of $1,000 in the bank. Baby Step 2 is paying off all debt, except for your home, using the debt snowball method. And Baby Step 3 is to finish growing your emergency fund until you have three to six

months of expenses saved. Investing is Baby Step 4, and that means 15 percent of your household income going toward retirement.

SHERIFF’S SALE OF REAL ESTATE of 620 Edgebrook Drive, SHOREWOOD, IL 60431 (SINGLE FAMILY). On the 17th day of October, 2019 to be held at 12:00 noon, at the Will County Courthouse Annex, 57 N. Ottawa Street, Room 201, Joliet, IL 60432, under Case Title: U.S. Bank National Association, not in its individual capacity but solely as Indenture Trustee for the CIM Trust 2017-8 MortgageBacked Notes, Series 2017-8 Plaintiff V. ZIGMAS MIKUZIS A/K/A ZIGMAS MIKUZIS JR.; DONNA MIKUZIS A/K/A DONNA M. MIKUZIS A/K/A DONNA NOLTE-MIKUZIS; LVNV FUNDING LLC; STATE OF ILLINOIS; Defendant.

Case No. 18 CH 0622 in the Circuit Court of the Twelfth Judicial Circuit, Will County, Illinois.

Terms of Sale: ten percent (10%) at the time of sale and the balance within twenty-four (24) hours. No judicial sale fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. All payments shall be made in cash or certified funds payable to the Sheriff of Will County.

In the event the property is a condominium, in accordance with 735 ILCS 5/15-1507(c)(1) (H-1) and (H-2), 765 ILCS 605/9(g)(5), and 765 ILCS 605/18.5(g-1), you are hereby notified that the purchaser of the unit, other than a mortgagee, shall pay the assessments and legal fees required by subdivisions (g)(1) and (g)(4) of Section 9 and the assessments required by subsection (g-1) of Section 18.5 of the Illinois Condominium Property Act. Pursuant to Local Court Rule 11.03 (J) if there is a surplus following application of the proceeds of sale, then the plaintiff shall send written notice pursuant to 735 ILCS 5/15-1512(d) to all parties to the proceeding advising them of the amount of the surplus and that the surplus will be held until a party obtains a court order for its distribution or, in the absence of an order, until the surplus is forfeited to the State.

For Information Please Contact: SHAPIRO KREISMAN AND ASSOCIATES, LLC. 2121 Waukegan Rd, Suite 301 Bannockburn, Illinois 60015 P: 847-770-4348 F: 847-291-3434 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Published 9/25, 10/2, 10/6

In your situation, debt isn’t really the problem. It’s a symptom of you two buying things you couldn’t afford.

Start living on a written, monthly budget. Give every dollar a name before the month begins, and break that debt cycle by developing a permanent financial game plan. Once you do that, I’ll bet both of you will end up feeling

like you got a raise.

Even better, you’ll have started down the path to freeing up your largest wealth-building tool—your income!

DAVE Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 16 million listeners each week on 600 radio stations and multiple digital platforms.

Follow Dave on the web at daveramsey.com and on Twitter at @DaveRamsey.

DAVE SAYS By Dave Ramsey

@DaveRamsey daveramsey.com

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LEGAL LISTINGS

STAY I NFO R MED W I TH LEG A L LI STI NG S WEDNESDAY, SEPTEMBER 25, 2019 | BUGLENEWSPAPERS.COM

STAY I N F O R M E D W I TH L EGA L L I STI N GS

LEGAL LISTINGS

WEDNESDAY, SEPTEMBER 25, 2019 | BUGLENEWSPAPERS.COM

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PAG E 1 2 | WEDNESDAY, SEPTEM BER 25, 20 19 | B UGLE N E W S PA P E R S .C OM