Mar
7
Will everyone know when you file bankruptcy? (Ontario attorney David Lozano wishes to put your mind at ease!)
March 7, 2011 | Comments Off
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. [...]
Feb
4
Do you give yourself and your credit card enough credit? (Bankruptcy attorney David Lozano sheds a little limelight on the subject!)
February 4, 2011 | Comments Off
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 [...]
Jan
24
What about my credit score? (Hint: Bankruptcy is good for your credit score in the long run)
January 24, 2011 | Leave a Comment
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 [...]
Jan
24
Is it true that married couples must file bankruptcy together? (Bankruptcy attorney David Lozano says, “this is not the case!”)
January 24, 2011 | Leave a Comment
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. [...]
Jan
21
Worried about getting a credit card after filing bankruptcy? (Los Angeles bankruptcy attorney David Lozano is here to alleviate your worries!)
January 21, 2011 | Leave a Comment
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 [...]
Jan
14
Can you still be successful after filing bankruptcy? (Bankruptcy attorney David Lozano answers, “absolutely!”)
January 14, 2011 | Comments Off
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 [...]
Jan
7
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 [...]
Jan
3
Want to keep your home, car, and personal possessions despite your debt? (Los Angeles bankruptcy attorney David Lozano can make it happen!)
January 3, 2011 | Comments Off
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.
Dec
31
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 [...]
Dec
22
Do you know the truth about debt settlement agencies?
December 22, 2010 | Leave a Comment
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 [...]
