What You Need to Know Before You File

Understanding the following aspects of bankruptcy will help you be more prepared to take the next step. Bankruptcy is Not Quick Chapter 7 bankruptcy case lasts an average of four months. A Chapter 13 bankruptcy plan lasts for three to five years. A Chapter 11 bankruptcy case may last for two years or longer. Public […]

Bankruptcies Down Compared to Last Year

According to figures distributed by the American Bankruptcy Institute, bankruptcy filings are down as compared to last year. Bankruptcies Down Compared to Last Year Data provided by Epiq Systems showed total bankruptcy filings during the first six months of this year are decreased 3 percent to 388,199 cases – down from the 399,522 total filings […]

Restrictions During Bankruptcy

Bankruptcy can be a big disruption to your life. One of the hardest things to face is the restrictions that you might face when you are in the process of repayment or debt settlement. It can be hard to know if you’re allowed to accept a financial gift from a friend, or if it’s okay […]

Don’t Wait to File for Bankruptcy

Because filing for bankruptcy can feel like an admission of personal and financial failure, people often hold off until the last minute to file, and then pay the price for waiting for so long. Don’t Wait to File for Bankruptcy There’s such stigma around filing for bankruptcy when there really does not need to be. […]

Widowers Are Protected from Foreclosure

If you are recently widowed and concerned about losing your home, know that there are laws in place to protect you. As always, if you are facing foreclosure, we always advise to reach out to an attorney that can help you find a way to stay in your home. Widowers Are Protected from Foreclosure The […]

Can You Get a Personal Loan After Bankrutpcy?

Most people facing bankrutpcy – and there are a lot (according to the American Bankruptcy Institute close to 766,700 individuals and businesses filed for bankruptcy in 2017) – fear that they’ll be unable to ever secure a personal loan because of the damage it can do to someone’s credit. There are ways to do it […]

Is Your Credit Card Debt Out of Control?

Everyone has a little bit of debt. Whether student loans, a car loan, or credit card debt, a little debt is common. But how do you know when your credit card debt has gotten out of control? And how do you get out of credit card debt once it has gotten out of control? Is […]

What’s A Second Mortgage? Is it Good or Bad?

While there are a number of reasons to have or need a second mortgage, they are not always an ideal thing to have. In California’s volatile real estate market, many homeowners have found that their home is worth less than the property’s outstanding mortgages. In this situation, if you have a second or third mortgage, […]

Filing an Emergency Bankruptcy Petition

Being in debt can be an overwhelming experience that can feel insurmountable and impossible. But those debt situations can become dire when you are faced with foreclosure, repossession, wage garnishment, eviction or other creditor action. If this is the situation you find yourself in, you might want to consider filing an emergency bankruptcy filing. Why Choose Emergency […]

Available Options for Keeping Your Home

If you’re at risk for losing your home because of inability to pay, know that there are options for you to keep your home. Available Options for Keeping Your Home Being at risk for foreclosure can be one of the most devastating things a homeowner could face. Regardless of why you might not be able […]