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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 bankruptcy. It’s hard not to …

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Does it Make Sense to File Bankruptcy Due to Identity Theft?

In many instances of identity theft, the victims aren’t aware there is a problem for months or even years after the problem starts. The longer the problem goes on unchecked, the more severe the consequences can get. Many victims find themselves with frozen bank accounts, drastically increased interest rates on credit accounts, increased minimum payments …

Does it Make Sense to File Bankruptcy Due to Identity Theft? Read More »

Does it Make Sense to File Bankruptcy Due to Identity Theft?

In many instances of identity theft, the victims aren’t aware there is a problem for months or even years after the problem starts. The longer the problem goes on unchecked, the more severe the consequences can get. Many victims find themselves with frozen bank accounts, drastically increased interest rates on credit accounts, increased minimum payments …

Does it Make Sense to File Bankruptcy Due to Identity Theft? Read More »

Filing Bankruptcy Without Involving Your Spouse

In some instances, it makes sense for individuals to file bankruptcy as a couple. In other situations, it makes more sense to have one spouse filing for bankruptcy. Luckily, bankruptcy law allows spouses to file bankruptcy separately, but it’s impossible to keep a spouse completely “out” of the bankruptcy proceedings. When one spouse is filing …

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Credit Cards and Bankruptcy – “Saving” Cards from Bankruptcy Discharge

Many southern California bankruptcy experts would argue that the single most important thing you need to do when considering filing for bankruptcy is STOP using your credit cards. The worst thing you can do for a potential bankruptcy case is to give the appearance that you are “running up” your credit account balances. Receipt of …

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Bankruptcy and Home Loans: What’s the Best Way to Save Your Home?

While divorce and separation are often caused by financial trouble, they can also lead to financial trouble. For instance, who keeps the house? Who makes the payments on the house? Who benefits from all the payments already made on the house during the years the marriage was intact? What happens when one spouse refuses to …

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Student Loan Debt Leading to Bankruptcy

Many college students end up with major debt when they step out of their commencement ceremonies. Out-of-control student loan debt is a major problem with rising tuition costs. Many parents of college students are even taking out parent loans to pay for their children’s college education. As an experienced southern California bankruptcy attorney, I see …

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Medical Bankruptcy: Is There a Way to Declare Bankruptcy for Medical Bills Exclusively?

If you find yourself drowning in medical bills without the money to clear the debt, you might be wondering if there’s such a thing as medical bankruptcy; a way to declare bankruptcy for medical bills exclusively. You wouldn’t be alone. In today’s world of soaring medical costs, drastically increased life expectancy, and decreasing availability of …

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Should I Declare Business Bankruptcy or Just Try to Pay Off the Remaining Debt Personally?

Starting up a business is a risk. Sometimes business is good, and sometimes it’s slow. Then there are the times when there’s no profit at all. If you’ve been left with a business with debts close to or equal to its assets, you might be having difficulty deciding if bankruptcy is the best option. It …

Should I Declare Business Bankruptcy or Just Try to Pay Off the Remaining Debt Personally? Read More »

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