One of Bill Ware’s various jobs in recent years was as a part-time insurance salesman. In that role, he has helped people prepare for unexpected hardships—burglaries, falling trees, car accidents, medical emergencies, and even death. But Ware recently faced the unexpected himself when his income took a dive.
Early this year a tax consultancy that works to resolve problems with the IRS and state agencies hit a trough and, in April, he says, the consultancy suddenly cut his income by 60%. Soon after, as the credit card bills piled up, he realized he needed to take action.