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  • March 2011
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Many times when people are faced with impending debt, they start looking for shortcuts to save money–using coupons and sales to buy groceries and other necessities, making sure to turn off all lights and appliances when they are not being used, or letting a few bills slide in hopes of catching up on the payments [...]

A common question I get from my clients is if filing bankruptcy will have any effect on their student loans. Unfortunately, filing bankruptcy does not eliminate or reduce your student loans. The U.S. Bankruptcy Code states that only “undue hardship” is grounds for discharging student loans. Now before you start planning your appeal saying that [...]

Commercial and Internet ads for payday loans are a dime a dozen these days. And if you’ve seen one you’ve seen them all. Payday loans all work basically the same way–you write a check (or grant the lender permission to access an electronic account) to cover the money you are borrowing plus the finance charge. [...]

During my time as a bankruptcy attorney I have heard many concerns that clients have when it comes to filing bankruptcy. One worry which has plagued quite a few of my clients is whether or not there is a possibility that they will go to jail as a consequence of the debt they have incurred. [...]

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. [...]

When searching for a bankruptcy attorney it is important they be a lot of things–nonjudgmental, helpful, confidential, and that they know what they are doing. David Lozano is all those things! He also has one crucial merit that other bankruptcy attorneys might not have– a certification. Why is being a certified bankruptcy attorney so special? [...]

Chapter 7 and Chapter 13 are the two most common bankruptcy plans that people file for. Chapter 7 is known as classic bankruptcy because it eliminates debt in one fell swoop! Chapter 13 is a reorganization plan, which is filed by people who simply need more time in order to catch up on their payments. [...]

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.

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 [...]

Who files bankruptcy? Anyone who finds themselves in over his or her head in debt! Much to my dismay, the vast majority of Americans seem to be under the illusion that only irresponsible, lazy good-for-nothings file bankruptcy. Many of my first-time clients are under the same impression. They feel as though they have done something [...]

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