As long as the deceased is the sole person responsible for the credit card, the credit card debt falls on the estate to be paid through assets after going through probate. The remainder of the assets are then distributed according to the deceased’s will or state law if no will was written. If there is [...]

Along with the loss of a job and medical bills, divorce is one of the most common contributing factors that lead to bankruptcy. Divorce settlements don’t always leave one or both parties with enough to sustain themselves. Many times people are left without a house or car and are sometimes required to pay for child [...]

Everyone has a different grocery shopping approach–some make a list, others go in and shop for whatever looks good, some plan their shopping trip by clipping coupons and waiting for the biggest sales, others shop for what they need for the week. Whatever their shopping style, however, all shoppers will be affected by the increase [...]

I’ve told you in past blog posts about the drawbacks that go with payday loans, but a bad payday scheme isn’t the only risky deal out there! Banks offer what is called an overdraft protection plan to prevent a check from bouncing due to insufficient funds. Of course this sounds like good thing but, as [...]

Are Mom and Dad making sacrifices for your sake?

February 9, 2011 | Comments Off

To cope with the current state of our economy people will often take on extra shifts at work or cut back on frivolous spending. But what about individuals who are retired and their frivolous spending consists solely of buying the grandkids holiday and birthday gifts? That’s right, I’m talking about generous Grandmas and Grandpas here! [...]

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 [...]

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. [...]

Once your debt has been discharged by the bankruptcy court, creditors and collection agencies are out of luck! Third party collection agencies have been known to contact a person and demand payment even after that person has declared bankruptcy and had his or her debt discharged. Do not fall prey to their subterfuge! By taking [...]

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 [...]

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 [...]

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    1900 W. Garvey Avenue S,
    Suite 240,
    West Covina, CA 91790
    626-802-5680
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    3535 Inland Empire Blvd.
    Suite 46, Ontario, CA 91764
    909-786-1806
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    Lancaster, CA 93534
    661-528-4004
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