If you are dealing with past due homeowner’s association fees and costs, bankruptcy may be able to help you reduce the amount that is required to be paid back to the homeowner’s association. In bankruptcy, when the homeowner’s association has followed the procedural and notice requirements to record a Notice of Assessment lien then the […]
California Authorizes Retain And Pay For Automobiles In Bankruptcy
NEW PROTECTION FOR DEBTORS WITH VEHICLE LOANS Recent California law changes have given all Debtors who file bankruptcy in California the option to retain and pay on their vehicle loans in a Chapter 7 bankruptcy. Prior to the changes in the law that took effect in 2023, when you filed for bankruptcy protection you had […]
Increased Car Exemption of $7500 Allows You to Protect More Equity in Your Vehicle
Increased Protection for Your Car in Bankruptcy. Changes that went into effect at the beginning of 2023 increase the vehicle exemption amount available in California. Both Section 703.140 and Section 704.010 were amended to increase the exemptions available for motor vehicles. The amount available for vehicles was increased to $7500 under both sections. Changes to […]
In California, Filing Bankruptcy May Allow You to Regain Your Home After the Foreclosure Sale
California’s New Foreclosure Law On January 1, 2021 new foreclosure laws went into effect that altered the foreclosure process in California. Under Senate Bill 1079 signed into law on September 28, 2020, a property that is a one-to-four-unit residential dwellings is subject to the new foreclosure rules. The law added Section 2924m which states that […]
How Can a Creditor Levy Your Bank Account in California
It’s true: once a creditor gets a judgment against you it can take money out or your bank, credit union, or other financial institution account to pay that judgment. This blog post gets into what exactly a judgment creditor can do to levy your accounts, and what you can do to stop it. HOW CAN […]
What Happens When You Don’t Respond to a California Collection Lawsuit?
Getting lawsuit papers can be scary. A process server, or sometimes a sheriff’s deputy, may show up at the door of your home and insist on personally handing you the papers. Or this might happen at your place of work or business. It could even happen as you’re simply walking down the street. (See Service […]
California’s Homestead Exemption- Are You Required to Reside in the Home?
The California Homestead Exemption’s Requirements of Residing in the Home and Intending to Continue Doing So The California homestead exemption amount’s huge increase at the beginning of 2021 has made it all the more important to understand when the exemption does apply to a home and when it does not. A number of practical issues […]
Protecting California Workers’ Compensation in Bankruptcy
How can you protect your California Workers’ Compensation in bankruptcy? You’re hurting financially and thinking about filing bankruptcy. Let’s assume a big part of the reason you’re in financial trouble is that you were hurt at work. You either have a workers’ compensation claim pending or it’s been resolved and you’re getting benefits. You want […]
Does Filing Bankruptcy Stop a Rental Eviction?
Filing for bankruptcy can slow down or stop an eviction process. It is important that you file bankruptcy prior to a judgment for eviction being entered.
Are Student Loans Non-Consumer Debts Allowing a Chapter 7 Case?
Are student loans consumer debt or non-consumer debt? How they are treated in bankruptcy can affect your ability to qualify for a Chapter 7 bankruptcy.
Does California State Court Judgment on a Debt Make It Non-Dischargeable in Bankruptcy?
A judgment entered against you in California state court may make it difficult to discharge the debt in bankruptcy under certain circumstances.
Does a California State Court Judgment on a Debt Make that Debt Not Dischargeable in Bankruptcy?
A judgment entered against you in California state court may make it difficult to discharge the debt in bankruptcy under certain circumstances.