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Blog Posts in 2012

27 results found. Viewing page 1 of 2. Go to page 1 2   Next

Can I Keep My Car If I File for Bankruptcy in California?

Keeping your vehicle when you file for Chapter 7 bankruptcy is a major concern for most people. There is often the impression that when you file for bankruptcy, it will require that you give up your ...
Continue reading "Can I Keep My Car If I File for Bankruptcy in California?" »

Don't Pay Relatives or Friends Before You File for Bankruptcy

It's normal to feel differently towards some people you owe-like friends and relatives. But acting on loyalty to such special creditors can cause both of you problems. You've Got to Treat Personal and ...
Continue reading "Don't Pay Relatives or Friends Before You File for Bankruptcy" »

10 Big Reasons to See Your California Bankruptcy Attorney To Save Your Home

Get advice from your California bankruptcy attorney both to successfully save your home and to save money, often lots of money. 1. Strip second mortgage and other junior mortgages: Hanging onto your ...
Continue reading "10 Big Reasons to See Your California Bankruptcy Attorney To Save Your Home" »

Protecting Social Security From A Bank Levy

New federal regulations provide some safeguards to protect your social security income from collection efforts from creditors. As of May 2011 new regulations became effective that provide protections ...
Continue reading "Protecting Social Security From A Bank Levy" »

The Automatic Stay in a Chapter 7 vs. Chapter 13 Bankruptcy

The " automatic stay " protects you from your creditors while you're in bankruptcy. Chapter 7 and 13 provide quite different protections. Under Chapter 7 Bankruptcy The automatic stay is the federal ...
Continue reading "The Automatic Stay in a Chapter 7 vs. Chapter 13 Bankruptcy" »

Do I Still Owe A Debt That Has Been Charged-Off?

The charge-off of a debt is not what it may seem. It is an accounting and tax term that does not change your continuing legal obligation to pay the debt. In fact a charge-off is often an indication ...
Continue reading "Do I Still Owe A Debt That Has Been Charged-Off?" »

How to Respond To A Credit Card Lawsuit in California?

If you are behind on your credit card payments, then there is a possibility that a creditor will eventually serve you with a summons and complaint to collect on the debt. The key factor is not to ...
Continue reading "How to Respond To A Credit Card Lawsuit in California?" »

What Can I Do If I am Being Sued By a Creditor?

Do NOT follow the normal temptation to just toss those lawsuit papers on your heaping pile of overdue bills and then try to forget about them. That's what the creditor hopes you'll do. There are ...
Continue reading "What Can I Do If I am Being Sued By a Creditor?" »

What Is A Chapter 7 Asset Case?

Most of the time you want your Chapter 7 bankruptcy case to be a "no asset" case, not an "asset" one. But what do these mean, and when could an "asset case" be good for you? If you file a Chapter 7 ...
Continue reading "What Is A Chapter 7 Asset Case?" »

How Bankruptcy Law Defines "Household" Can Have a Huge Effect on Your Chapter 13 Case

The size of your "household" can determine whether you pay into your Chapter 13 case for 3 or 5 years, and how much you pay each month. In a blog last month I told you how the number of people in your ...
Continue reading "How Bankruptcy Law Defines "Household" Can Have a Huge Effect on Your Chapter 13 Case" »

Two Types of Debts You May Still Owe After Bankruptcy

Non Dischargeable Debts in Bankruptcy Most debts ARE legally written off ("discharged") in bankruptcy. But let's clear up some likely confusion about certain debts that might not be discharged. There ...
Continue reading "Two Types of Debts You May Still Owe After Bankruptcy" »

Solving Child and Spousal Support Debt Problems in California through Bankruptcy

Child Support and Spousal Support If you are behind in your support payments, you owe a very special kind of debt. It may surprise you to hear that even this debt can be tamed through bankruptcy. ...
Continue reading "Solving Child and Spousal Support Debt Problems in California through Bankruptcy" »

Bill Collector Says I Can't Eliminate the Debt in Bankruptcy?

Most debts are eliminated when you file a bankruptcy, especially the kind that a bill collector would likely be calling you about. So unless the debt is a student loan, tax, or some other special kind ...
Continue reading "Bill Collector Says I Can't Eliminate the Debt in Bankruptcy?" »

Bankruptcy Doesn't Eliminate Criminal Fines or Restitution, But Can Still Help If You Are Charged with a Crime.

Bankruptcy cannot wipe out obligations directly from a criminal conviction, but still the help it CAN give may make all the difference. 1. Bankruptcy can get rid of other debts so you can concentrate ...
Continue reading "Bankruptcy Doesn't Eliminate Criminal Fines or Restitution, But Can Still Help If You Are Charged with a Crime." »

The Size of Your Household Affects Your Ability to Pass the "Means Test"

Whether you may file a Chapter 7 bankruptcy can depend on how many people are in your "household." And that can depend on how the law defines that term. The more people you can consider to be in your ...
Continue reading "The Size of Your Household Affects Your Ability to Pass the "Means Test"" »

Bankruptcy Can Help You Avoid a Tax Lien

Tax Liens Bankruptcy stops the recording of tax liens by the IRS or the California Franchise Tax Board. The recording of a tax lien effectively turns a debt without any collateral into a debt with ...
Continue reading "Bankruptcy Can Help You Avoid a Tax Lien" »

Discharging Debts from a Divorce - Can You Discharge Them?

Discharging Debt from a Divorce To write off debts owed to your ex-spouse from your divorce you need to meet two conditions: 1) the debts must be about marital property or debt, and not about support; ...
Continue reading "Discharging Debts from a Divorce - Can You Discharge Them?" »

Getting Paid from the Recent National Mortgage Fraud Settlement

The " largest consumer financial protection settlement in US history" is in the middle of going into effect. One relatively small part of it-about $1.5 billion-is earmarked for about 750,000 prior ...
Continue reading "Getting Paid from the Recent National Mortgage Fraud Settlement" »

Pre-Bankruptcy Steps to Take to Eliminate Tax Debt in Bankruptcy

Income tax returns were due in April, but what if you owe a alot of taxes, maybe for this year and even a previous year or two? Bankruptcy CAN discharge (legally erase) SOME income taxes. How much tax ...
Continue reading "Pre-Bankruptcy Steps to Take to Eliminate Tax Debt in Bankruptcy" »

Can You Protect a Co-Signer or Co-borrower in a Bankruptcy?

Chapter 13-the 3-to-5-year payment plan-protects not just you and your possessions. It can also protect your co-signers from the debts they co-signed with you. When a bankruptcy is filed for you under ...
Continue reading "Can You Protect a Co-Signer or Co-borrower in a Bankruptcy?" »

Can You Reverse a Home Foreclosure After the Sale Date?

In California, there is a time period and process that is required before a home can be foreclosed. Most homes in California are foreclosed through a non-judicial foreclosure. In order to foreclose on ...
Continue reading "Can You Reverse a Home Foreclosure After the Sale Date?" »

Do You Qualify to File Chapter 7 or Chapter 13?

As you start thinking about filing bankruptcy, you might be quite clear about wanting to file a "straight" Chapter 7 bankruptcy or instead a Chapter 13 "adjustment of debts." Sometimes the choice ...
Continue reading "Do You Qualify to File Chapter 7 or Chapter 13?" »

Can I Discharge Income Taxes in A Chapter 7 Bankruptcy?

If you owe income taxes, especially on more than one tax year, or you owe a large amount, Chapter 13 is often the better way to go. But you CAN also write off ("discharge") certain income ...
Continue reading "Can I Discharge Income Taxes in A Chapter 7 Bankruptcy?" »

The Effect of Recent Prior Bankruptcy Filings on the "Automatic Stay"

The automatic stay protects you and your property from your creditors when you file bankruptcy. This is one of the most important benefits of filing bankruptcy. But if you filed a previous bankruptcy ...
Continue reading "The Effect of Recent Prior Bankruptcy Filings on the "Automatic Stay"" »

What Happens to My Tax Refund in a Chapter 7 Bankruptcy?

Holding on to your 2011 IRS and California tax refunds when you're filing a Chapter 7 bankruptcy is a matter of careful timing and tactics. In most cases we can help you keep your refunds, but we have ...
Continue reading "What Happens to My Tax Refund in a Chapter 7 Bankruptcy?" »
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