About Me
My Commitment
At SGerke Bookkeeping & Financial Services, I help individuals navigate financial crisis with clarity and confidence. If you are facing foreclosure, overwhelming debt, or considering bankruptcy, you are not alone — and you are not without options.
As a financial professional with extensive experience in bookkeeping, payroll, and financial systems, I bring both technical expertise and practical strategy to help you:
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Understand your full financial picture
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Evaluate foreclosure and bankruptcy options
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Communicate effectively with lenders
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Build a realistic recovery plan
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Stabilize cash flow
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Rebuild financial confidence
My approach is structured, supportive, and judgment-free. Financial hardship can happen to anyone — especially during midlife transitions, health challenges, job loss, or economic downturns. Together, we create a plan focused on solutions, not blame.
Originally from the Omaha, Nebraska area and having lived across multiple states, I work with clients nationwide via secure virtual sessions.
My goal is simple:
Help you stop the financial freefall and build a stable next chapter.
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If you're looking for someone who has been through this, reach out - I'd be happy to help.
Our Services
Financial Crisis Assessment (One-Time Intensive)
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Full financial snapshot
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Foreclosure/bankruptcy readiness discussion
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Immediate action plan
90-Day Financial Stabilization Program
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Weekly or biweekly sessions
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Cash flow triage
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Debt prioritization
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Lender communication plan
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Spending restructuring
Post-Bankruptcy Rebuild Plan
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Credit rebuilding roadmap
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Budget system creation
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Financial confidence coaching
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Long-term sustainability plan
Who I help
I Work Specifically With:
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Gen X and Baby Boomers (ages 45+)
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Homeowners facing foreclosure
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Individuals considering or preparing for bankruptcy
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Those overwhelmed by debt but unsure of next steps
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People who feel ashamed, stuck, or financially defeated
You’re not “bad with money.” You may just need a structured recovery plan.
Facing Foreclosure or Considering Bankruptcy?
Before you make any major financial decision, get a clear, structured plan.
The Reality
If you are:
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Behind on mortgage payments
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Receiving foreclosure notices
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Overwhelmed by credit card or medical debt
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Being contacted by collectors
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Considering bankruptcy but unsure
You are not alone — and you are not out of options.
Panic leads to rushed decisions.
Clarity leads to better outcomes.
How I Help
I provide Financial Crisis Coaching specifically for Gen X and Boomers who need calm, informed guidance.
Together we will:
✔ Map your complete financial picture
✔ Assess immediate risks
✔ Review foreclosure and bankruptcy considerations
✔ Develop a short-term stabilization plan
✔ Create a longer-term recovery strategy
This is structured, confidential, and judgment-free.
Three Stages of Support
Stage 1: Prevention
Strategic review and lender communication planning to explore options before filing bankruptcy.
Stage 2: Preparation & Navigation
Organizing financial documentation, understanding what to expect, and preparing for attorney consultations.
Stage 3: Post-Bankruptcy or Post-Foreclosure Rebuild
Credit rebuilding strategy, budgeting structure, and long-term financial stability planning.