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
18
The lesser known downside of foreclosure (Ontario attorney David Lozano is looking out for you and your neighbors!)
March 18, 2011 | Comments Off
As a bankruptcy attorney I advocate preventing foreclosure to individuals who would like to keep their home despite the financial trouble they are going through, as I expressed in a few of my previous blogs–Do you have questions about foreclosure and how to prevent it?, Do you want to avoid foreclosure in Southern California?, and [...]
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
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. [...]
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
28
Is there a difference between forgiving debt and discharging debt?
February 28, 2011 | Comments Off
To the IRS and many collection agencies, to forgive debt means that while you don’t have to repay the debt, there is a possibility that you will still owe income tax on it! In bankruptcy, having debt discharged means that you are exempt from having to pay all or part of the debt you owe–depending [...]
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
31
Does filing bankruptcy require you to march to the beat of a different drum?
January 31, 2011 | Comments Off
The uncertainty that accompanies filing for bankruptcy is a discomfort that has dogged nearly every client I’ve ever had. Until debt began to pile up, their lives had a fairly comfortable and predictable rhythm. Deciding to file bankruptcy throws off that rhythm and requires people to find a new one. Oftentimes it is difficult to [...]
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 [...]
