Category: Life After Bankruptcy Archive
Post-Bankruptcy: When is My Name Removed from the Deed?
Justin Harelik
September 2, 2015
Once you’ve filed for Chapter 7 bankruptcy and received your discharge of debts, your mortgage lender’s attorneys could still contact you even if you included your home in your bankruptcy. Such letters will often urge you to contact the lender for options: loan modification, short sale, deed-in-lieu of foreclosure, forbearance, ...
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Can the Trustee Come After My Assets when My Ex Files Bankruptcy?
Justin Harelik
August 26, 2015
When your ex files bankruptcy soon after the divorce, in some cases, the trustee will discover discrepancies in the handling of the marital assets. If they do, they could contact you regarding assets that your ex is entitled to that you may be in possession of in order to use ...
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Post-Bankruptcy: My Car is Paid Off, But I Have a Title Loan Against It
Justin Harelik
July 21, 2015
The first time I had a client advise me that their car was paid off, but that they had a title loan against it, I was a little bit confused. After wading through the confusion and ascertaining a few facts, the story became clear. Now that I’m an experienced southern ...
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I Received My Bankruptcy Discharge and It’s Time to Rebuild My Credit
Justin Harelik
July 14, 2015
The entire point of filing for bankruptcy is to receive a discharge of your debt. You contact an experienced southern California bankruptcy attorney, make sure to provide them with all the necessary information, include every creditor in the paperwork…and then await the big day. Once you receive your bankruptcy discharge ...
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Before I Filed for Bankruptcy I had a 750 Credit Score: Can I Get it Back?
Justin Harelik
June 24, 2015
Many bankruptcy petitioners are extremely concerned with their credit score. Some enjoyed the benefits of a fantastic credit score pre-bankruptcy and despair ever getting it back. You may find yourself wondering, “Can I get back the 750 credit score I had before I filed for bankruptcy?” If you do, you ...
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Post-Bankruptcy: Can I Own Land in My Own Name After Filing Chapter 7 Bankruptcy?
Justin Harelik
June 18, 2015
Many filing bankruptcy wonder whether or not it’s possible to put property in their own name after filing Chapter 7 bankruptcy. Others assume that there’s a waiting period for owning property in their own name post-bankruptcy. If you’re wondering how long you have to wait to put your name on property after ...
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What to Say to Future Employers About Bankruptcy
Justin Harelik
June 16, 2015
There are many issues regarding filing for bankruptcy in southern California. There are just as many issues regarding recovering from bankruptcy and moving on with your life. For instance, in the years after you’ve filed for bankruptcy, you may find yourself in the position of looking for or applying for ...
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Credit Cards and Bankruptcy – “Saving” Cards from Bankruptcy Discharge
Justin Harelik
June 3, 2015
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 ...
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Post Bankruptcy: Business Credit Cards and Personal Liability
Justin Harelik
June 1, 2015
When an individual files for bankruptcy both personally and for their business, credit accounts for the business that had the spouse’s name listed will sometimes come back for payment on the debt post bankruptcy. They’ll get in touch with the spouse who did not file bankruptcy. In some cases, even ...
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Student Loan Debt Leading to Bankruptcy
Justin Harelik
May 4, 2015
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 ...
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