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  • Think Before You Post: Bankruptcy & Social Media

    || 5-Jul-2016

    In today’s society, we are all obsessed with sharing everything. We share child prodigies dancing, funny videos of babies or dogs, but mostly we use social media to let everyone know where we’re traveling, what we’re buying and what we’re eating. Sharing is second nature to us, which is why many individuals that file for bankruptcy end up in trouble with the law. Over the ...
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  • The Wall Street Journal reported last May bankruptcy courts are seeing increased traffic lately from parents who file for bankruptcy over their children’s college tuition costs. Increasingly, the trustee responsible for collecting money on behalf of creditors have decided to return tuition to insolvent parents in order to have the parents pay off debt with the money instead. Since 2008 over ...
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  • My wages are being garnished.

    || 24-Dec-2014

    How Bankruptcy Can Stop Your Garnishment and Eliminate Your Debt You can generally stop garnishments imposed on you IMMEDIATELY by filing for Bankruptcy Protection! Usually, a wage garnishment is just the tip of the iceberg and once a creditor has a garnishment against you, your options are significantly limited. This is because the creditor has you right where they want you – having your ...
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  • I have too much credit or medical debt.

    || 22-Dec-2014

    How Filing for Bankruptcy Protection Can Rid You of All Your Credit or Medical Debt Recent news articles indicate that Americans are facing out of control credit card debt. Normal people have had to use their credit cards for necessities, like car repairs, home maintenance and even groceries. You become late on one payment and the default (higher) interest rate kicks in, not to mention a ...
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  • My car payments are past due.

    || 21-Dec-2014

    Car Lenders Are Quick To Repossess. How Bankruptcy Can Save Your Car and Eliminate Your Debt How Bankruptcy Can Save Your Car You can stop the repossession of your car by filing for either Chapter 7 or Chapter 13 bankruptcy protection. Once your case is filed, the "automatic stay," arises and is essentially a restraining order issued by the bankruptcy court which prevents your car ...
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  • I am being sued.

    || 19-Dec-2014

    How Filing for Bankruptcy Protection Can Stop a Lawsuit and Get You Out Of Debt If you're reading this, chances are you're being sued because of how far you're past due to the creditor. Depending on the specific situation people find themselves in, this scenario prompts many people to consider filing for bankruptcy protection. In California, the lawsuit process begins when you are ...
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  • If you are confronting a tough decision about whether to file for Chapter 7 bankruptcy protection, you may want to schedule a free California bankruptcy protection consultation with a lawyer. What should you expect at that first meeting? California residents who are deciding whether to file for bankruptcy need to meet with a skilled bankruptcy attorney to review their options. To schedule a free ...
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  • When someone reaches the point of filing for bankruptcy, she is likely consumed by burdensome financial responsibilities. She can’t begin to fathom how she might come up with the funds to hire a bankruptcy lawyer. After all, the fact that she has next to no money is what caused the whole problem to begin with. For financial reasons, she might decide to file the case without the help of an ...
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  • Falling Behind on Credit Card Debt?

    || 20-Feb-2013

    Will more Americans fall behind on their credit card debts this year? According to a recent Time article, a report issued by the Federal Reserve Bank of New York said that Americans’ credit card debt rose by $2 billion in the third quarter last year. This rise in credit card debt occurred even though Americans’ total debt dropped. (Much of the drop reflects mortgage debt. Americans ...
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  • Casey Anthony recently filed for bankruptcy protection in Orlando, Florida. Anthony currently owes approximately $792,000. Most of that amount is owed to her defense attorney, according to a recent news article. Other significant amounts are owed to the Orange County Sheriff's Office, the Internal Revenue Service, the Florida Department of Law Enforcement, and the Metropolitan Bureau of ...
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  • If you are struggling to pay your bills, you may view credit counseling as a way to resolve your money troubles. But some credit counseling agencies take advantage of customers who are financially strapped and vulnerable. Don’t let that happen to you! Avoid hiring a credit counselor who: For more information about credit counseling and/or filing for bankruptcy protection in San Diego, call ...
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  • As a Chula Vista bankruptcy attorney, people come into my office all the time to ask me questions about sketchy things they’ve heard. Often, I can set their fears at ease by letting them know the information they’ve received is inaccurate. Many people put off filing for bankruptcy protection because of something they “know” about the process or because of something a ...
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  • Filing for Bankruptcy Can Be Emotional

    || 9-Feb-2013

    A recent news article highlighted the mental burden and heavy emotional toll that filing bankruptcy can cause. San Diego bankruptcy attorney Kerry Denton has seen firsthand how the bankruptcy process impacts his clients. Whether his clients are filing for Chapter 7 bankruptcy protection (complete elimination of debt) or for Chapter 13 bankruptcy protection (financial reorganization to pay off ...
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  • When you have money troubles, you’re often willing to take chances you wouldn’t otherwise take. Unfortunately, scammers know this. That’s why many scammers feed on consumers with significant debts. If you see an ad for a lender that promises to loan you money or give you a credit card and the terms seem too good to be true, proceed carefully! The Federal Trade Commission provides ...
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  • The United States Federal Trade Commission (FTC) recently stopped the allegedly deceptive practices of a debt settlement company, FDN Solutions, LLC. This company purportedly hooked debtors with exaggerated claims about how it could help reduce their debts. The company claimed in its advertisements that it could reduce consumers’ debts by 40 to 60 percent. The FTC alleged that the misleading ...
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  • If you’ve always had regular income, you might have thought you’d never need to file bankruptcy. Unless, of course, your debt has spiraled out of control. While regular income is wonderful to have, if it’s still not enough to pay all your debts, instead of getting ahead each month you may be falling further and further behind. If this sounds like you, then Chapter 13 might be a ...
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  • If your debt has piled up beyond what you can afford each month but you have enough income to make monthly payments if they were more affordable, then a Chapter 13 bankruptcy might be a good option for you. Income eligibility for Chapter 13 To qualify for Chapter 13, you must have regular income sufficient to afford the repayment plan you submit to the bankruptcy court. Income can be from a number ...
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  • Struggling with finances—and I mean really struggling, to the point that you’re yelling or crying every day—is no way to live your life. However, when weighing the pros and cons of bankruptcy, many people don’t take into account the emotional and psychological benefits. Take stock of your life and ask yourself if you feel any of the following: If you’re experiencing ...
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  • Many parents took out PLUS loans or co-signed on private loans to help put their kids through college, grad school, law school, or medical school. Now, many of those graduates cannot find work sufficient to pay their basic bills, let alone help their parents repay those loans. A recent New York Times article explains how these loans are financially crushing millions of parents age 60 and older. As ...
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  • If you have an expensive monthly car payment you can no longer afford, then Chapter 7 bankruptcy can help by wiping out your debt, including that high car loan, and give you a new start. Here are a couple of things to think about if you’re worried about not having a car after bankruptcy: Get rid of a high car payment and buy a new car post-bankruptcy. Businessweek reported that auto loans in ...
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  • The truth about bankruptcy these troubled economic times is that most people don’t lose anything except their debt. Most people don’t lose their home, car, jewelry, clothing, furniture, or anything else. The bankruptcy law exemptions mean you get to keep a lot. In California, the law assigns a generous amount for the assets we need to live here, usually including enough for your home, ...
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  • Most people who are struggling with debt do not lose their homes in bankruptcy. Whether you can save your home in bankruptcy depends on various factors, including the kind of debt you’re carrying and whether you have regular income. You should discuss your situation with an attorney to accurately determine if you can save your house in bankruptcy. To help you get started, though, ask ...
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  • The looming “fiscal cliff” means more financial worries for families in San Diego and throughout the nation. According to The Wall Street Journal, as many as 90 percent of American households will take a “financial blow” next year from a combination of the tax hikes, spending cuts, and rising unemployment that are expected to come. Families that are already struggling to ...
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  • I often get questions about the effect bankruptcy will have on a person’s future chances of getting a loan, especially a home loan. Borrowers are often surprised that bankruptcy does not automatically disqualify a person for a home loan. In fact, an FHA mortgage loan may be obtained in as little as one to two years after bankruptcy in many cases. FHA Loans After Bankruptcy An FHA loan is a ...
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  • When evaluating whether to give a borrower a loan after bankruptcy, lenders look to the “Four C’s of Credit” — Credit history, Capacity to repay, Cash to close, and Collateral. Credit history: Bankruptcy will obviously be a factor in your credit history, but a lender will also look at your overall credit history (before and after the bankruptcy) rather than focusing on a ...
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