Mar
25
Southern California bankruptcy attorney relates the story of the character played by Ben Affleck in the film, The Company Men, to average men and women facing the loss of a job
March 25, 2011 | Leave a Comment
Ben Affleck, a native of our own California, recently starred in The Company Men, alongside Tommy Lee Jones, Chris Cooper, and Kevin Costner. The film tells the stories of three men named Bobby Walker (Ben Affleck), Gene McClary (Tommy Lee Jones), and Phil Woodward (Chris Cooper) who are businessmen at the GTX Corporation but lose [...]
Mar
23
Lancaster, California, attorney explains how utility shut off is affected by filing bankruptcy!
March 23, 2011 | Comments Off
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 [...]
Mar
16
Wondering what to do about the home when going through divorce and bankruptcy? (Los Angeles attorney David Lozano offers his help to divorced couples!)
March 16, 2011 | Leave a Comment
Not too long ago I wrote about how divorce is one of the three leading causes of bankruptcy–along with medical bills and the loss of a job–in Wondering what you should do when dealing with divorce as well as bankruptcy? (Los Angeles attorney David Lozano offers his advice!) And earlier in the year I wrote [...]
Mar
11
Wondering what a creditors meeting is? (Lancaster attorney David Lozano is here to answer all your bankruptcy questions!)
March 11, 2011 | Leave a Comment
Filing bankruptcy is just the first step in the bankruptcy process. There is also a 341 meeting–or creditors meeting, which usually takes place 20 to 40 days after you file Chapter 7 or Chapter 13 bankruptcy. At this meeting, you and your attorney discuss your financial situation with the bankruptcy trustee assigned to your case. [...]
Mar
4
Wondering what you should do when dealing with divorce as well as bankruptcy? (Los Angeles attorney David Lozano offers his advice!)
March 4, 2011 | Comments Off
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 [...]
Mar
2
Are your children’s education saving funds exempt when you file bankruptcy? (Lancaster attorney David Lozano is here to put your mind at ease!)
March 2, 2011 | Comments Off
Couples and single parents frequently take advantage of my offer for a free consultation to discuss their options for dealing with debt. For many their concerns involve not only them, but their children as well! Parents worry whether the savings they’ve set aside for their children’s future education will be affected when they file bankruptcy. [...]
Feb
25
Dealing with debt and rising prices? Lancaster attorney David Lozano advises you to keep a budget!
February 25, 2011 | Comments Off
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 [...]
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
28
What if creditors continue to call after your debt has been discharged? (Bankruptcy attorney David Lozano urges you to stand your ground!)
January 28, 2011 | Leave a Comment
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 [...]
Jan
26
Do you really need an attorney to file bankruptcy?
January 26, 2011 | Comments Off
While it is in my best interest that you hire an attorney, that is not the only reason why I advise my clients that having one is essential. Filing bankruptcy is not as simple as filling out some paperwork, paying a fee, and sending it all to the court for approval. There’s a lot more [...]
