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Category: Bankruptcy Alternatives Archive

Bankruptcy Alternatives

Bankruptcy Alternatives: Can I Transfer the Liability of an Auto Loan?

People will do a lot to avoid filing for bankruptcy. And as an experienced southern California bankruptcy attorney, I am in full agreement. It’s always best to do everything you can to take care of your debt and financial liabilities without filing for bankruptcy. Filing for bankruptcy is a legal …

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Bankruptcy Alternatives

Addressing the Consequences of Fraud with Bankruptcy

The majority of card fraud occurs in the United States. In fact, research conducted by Barclays indicates that 47% of worldwide card fraud occurs in the U.S. even though we only claim 24% of the worldwide card volume. In 2014, 31.8 million U.S. consumers had their credit cards breached. That …

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Bankruptcy Alternatives

Bankruptcy Issues: Determining the Validity of a Debtor’s Settlement Offer

Many individuals considering bankruptcy have gone to great lengths to reach a more secure financial footing before they took that last step and obtained a bankruptcy attorney. One of the many options that can be useful for those attempting to avoid filing for bankruptcy is settling debts with creditors. This …

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Bankruptcy Alternatives

Credit Counseling and Bankruptcy Attorneys

For those of you that are familiar with my previous columns, you’ll remember that I’ve written quite a few articles on credit counseling and also that I do not like credit counseling. “Sure,” I hear you say, “Of course a bankruptcy attorneys don’t like credit counseling. It’s the competition!” And …

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Bankruptcy Alternatives

Bankruptcy Options: Including Closed Accounts in Bankruptcy

There are many benefits of filing for bankruptcy. It’s a serious remedy to a serious problem. Some consider filing for seemingly nominal reasons. Luckily, most of these will reconsider due to the fact that bankruptcy is not an easy process without repercussions. It is an effective process that should be …

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Bankruptcy Alternatives

Avoiding Bankruptcy and Repossession

If you are thinking about declaring bankruptcy, take some time to consider your entire debt. Consider all your options. Talk to the experts on the subject. Weight the options to determine if bankruptcy is the most appropriate choice. It could be that your situation would be handled better using a …

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Bankruptcy Alternatives

Short Sale, Foreclosure or Bankruptcy?

Losing your parents can be extremely difficult no matter how old you are, but when you lose a parent when you are grown, many find themselves with additional responsibilities. In some instances, they will find themselves responsible for caring for their remaining parent who is now grieving. Some discover that …

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Bankruptcy Alternatives

Thinking About Filing Bankruptcy: The People Who Should File

Layoffs, pay cuts, foreclosures…there are so many reasons for the drastic increase in debt burdened Americans who are toying with the idea of filing bankruptcy. Some are filing personally and some are filing for their business. In the fiscal year ending September 30th, 2008, the number of filings reached 1 …

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Bankruptcy Alternatives

Does Filing a Business Bankruptcy Hurt My Credit Score?

When times get difficult for a business, it seems as if closing the doors and shutting down the business should be simple. But when the business has credit cards with balances and vendors that are owed money, it can get confusing for those who are considering filing for a business …

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Bankruptcy Alternatives

Stop RV Repossession by Filing for Bankruptcy

Is it possible to prevent the bank from repossessing a recreational vehicle (RV) by filing for bankruptcy? Filing for Chapter 7 bankruptcy makes it possible to save your home, but can it do the same thing for an individual or family who uses their RV as their primary residence? Can …

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