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Does Business Debt Transfer with the Sale of the Company?

I recently spoke with a young man who had built a business from scratch, experienced a downturn in the industry that left the company overwhelmed by debt and unable to move forward with production expecting to make a profit. He felt his only recourse was to file bankruptcy on the small business. As the sole […]

That Old Debt in That Old Bankruptcy Filing

When you file bankruptcy, you are seeking the bankruptcy protection that has helped so many climb out of the deep pit debt can create due to the economy, industry changes, job loss, health complications, family emergencies, etc. Regardless of the reason or reasons behind your bankruptcy filing, you listed all your debts in your paperwork, […]

Bankruptcy & Your Home Business

If you run a small business from your home, you’re probably wondering if you need to include it in your bankruptcy filing. If you are declaring Chapter 7 bankruptcy on your personal debts, do you have to get your small business involved? This is another specific situation that may require different actions depending upon your […]

When Creditors Ignore Your Discharge of Debt

The purpose of filing for Chapter 7 bankruptcy is to immediately enact the automatic stay and eventually obtain the discharge of debt. What happens when you go through legal channels to obtain both these powerful protections through bankruptcy filing and creditors ignore their legal implications? If you are being harassed by creditors in spite of […]

Walking Away from the House Post-Bankruptcy

“Walking away from the house” has become a common enough phrase that it is regularly bandied about amongst the public. This is a result of the recession in recent years that resulted in so many losing their homes, finding themselves upside down in their homes or considering moving out and stopping mortgage payments because it […]

The Importance of Being “Credit Worthy”

What does it mean to be “credit worthy” and why does everyone care so much? Is it actually that important? Credit scores in today’s society can actually be critical. They are used as a determination of a borrower’s risk. They are used to determine insurance rates. They are used to obtain application approval for rental […]

Can You Buy a Car While Filing Bankruptcy?

You filed for bankruptcy. You’re excited to receive your discharge papers. It’s going to feel amazing when it arrives and you know that your debt has been wiped clear. BUT then something happens and you need a car. You need to buy a car immediately. Maybe your old clunker broke down and no one will […]

Converting Your Bankruptcy: Chapter 13 to a Chapter 7?

Talking to a bankruptcy attorney is imperative when considering converting a Chapter 13 to a Chapter 7. There are many different issues you need to be aware of before you make this decision. If you are in a Chapter 13 Bankruptcy there is a possibility that converting to a Chapter 7 could be beneficial. Many states […]

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 yes! I do not like […]

Post-Bankruptcy: My Car is Paid Off, But I Have a Title Loan Against It

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 California bankruptcy attorney, it’s a […]

Reaffirming a Mortgage in Southern California

If you have filed for bankruptcy in southern California and you owned your own home when you did so, you may be wondering about reaffirming your mortgage. What does it mean to reaffirm your mortgage in Southern California? This means that you filed for bankruptcy and once it was completed, you decided that you want […]

What Happens When Your Student Loan Cosigner Files for Bankruptcy?

With rising tuition prices across the nation, it’s not surprising that there is so much talk about bankruptcy and student loans, excessive student loan debts, and astronomical student loan payments. What many are wondering, but not many are sure about is what happens when the cosigner on a student loan declares bankruptcy. This is one […]

The 10 Most Important Questions to Ask at Your Initial Consultation

When filing for bankruptcy, petitioners have a lot on their minds. This is one the reasons that makes obtaining the best bankruptcy attorney absolutely necessary so you can be guided through the process as comfortably as possible. During your initial consultation with potential bankruptcy attorneys, ask the right questions so you have the right answers […]

Why Choose Us

Every law firm will make this claim: “We are all about the client.  We provide the best customer service.  The client is first.” But all too often, this isn’t the case.  Many law firms push bankruptcy ahead of other options like debt-restructuring because they are more lucrative to the law firm, even when bankruptcy isn’t […]