A big concern I hear from my clients when they come in for a free consultation is who will know that they have filed bankruptcy. Truthfully, there are only a limited number of people who may be notified when you file bankruptcy. Creditors will be made aware of the fact that you have filed bankruptcy. [...]

It is probably safe to say that the majority of Californians are credit cardholders. The U.S. Census Bureau recently collected data on the number of credit cardholders there were in the United States and found that there were 159 million in 2000 and 176 million in 2008. With this data, they then estimated the count [...]

We can all agree that a good credit score is handy to have. So why would you risk the score you have by filing bankruptcy? To be frank, you risk more by doing nothing. Your credit score is already hurting or you probably wouldn’t be in the pickle you’re in, right? Look at it this [...]

A question many married couples have when they come for a free consultation is whether they both have to file bankruptcy. I am happy to say that spouses are not required to file joint bankruptcy! That misconception is just another common bankruptcy myth! There are many reasons why a couple might choose to file separately. [...]

I want to clear up the misunderstanding that many people have concerning credit cards. The common impression is that you won’t be able to get a credit card once you file bankruptcy. This is a myth! Credit card offers are going to come to you a week or two after you file bankruptcy–by way of [...]

Coming to terms with bankruptcy is a difficult process. If you’ve ever asked yourself, “how did this happen to me?” You are not alone! People have been asking themselves the same thing for decades. In fact, you may be surprised by just who has shared your exact sentiments! After sampling several career choices that ended [...]

Does filing bankruptcy lead to divorce?

January 7, 2011 | Comments Off

Would you believe filing bankruptcy can bring married couples closer together? It’s true! I’ve seen firsthand how many couples come together after taking action to settle their debt. The idea that filing bankruptcy inevitably leads to divorce is a myth! The constant worry of how to pay off immense amounts of debt, creditors incessantly pestering [...]

Bankruptcy laws were designed to benefit you, the average Californian! Bankruptcy is granted by a federal court to either businesses or individuals who are in debt and need a fresh start or an extension on their payment deadlines.

Want to keep creditors at bay?

December 31, 2010 | Comments Off

As a Californian bankruptcy attorney, I’ve heard almost every kind of concern people dealing with debt have. One of the common concerns is that creditors will continue to contact you even after you’ve filed bankruptcy. This is a myth! Once you file bankruptcy an “automatic stay” is put in place, which means creditors aren’t allowed [...]

You see advertisements for debt settlement agencies all the time. With a debt settlement plan, if you agree to pay your debt through them, the agency will try to negotiate with your creditors for a lower payment. As you may be able to tell, there are a few flaws in their claim (at least for [...]


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