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Brandon and Jessica are traveling through Europe this month, so they're bringing back one of their most impactful episodes as part of their Summer Rewind series.

Bankruptcy attorney Adrienne Hines joins the show to reframe everything most people think they know about debt relief. With nearly 30 years of experience, she makes the case that bankruptcy is not a last resort, it is often the smartest first call you can make before touching your 401k, pulling from home equity, or signing up for a debt settlement program.

Adrienne breaks down the difference between Chapter 7 and Chapter 13, who qualifies, what it costs, and what actually gets wiped away. She also explains why debt settlement companies are less protected and more dangerous than most people realize, how predatory lending replaced the consumer protections that once existed, and the simple 3-year test that tells you whether it is time to talk to a lawyer.

Adrienne Hines is the Ladylike Lawyer. Find her at theladylikelawyer.com or on TikTok and Instagram at @theladylikelawyer. Not in Ohio? Her team will match you with a licensed bankruptcy attorney near you for a free consultation.

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Money, relationships, and the mindset to master both. Hosted by financial advisor Brandon and his wife Jessica, The Sugar Daddy Podcast breaks down how to build wealth, unpack old money beliefs, and have real conversations...