Tag: southern california bankruptcy experts Archive
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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Does it Make Sense to File Bankruptcy Due to Identity Theft?
Justin Harelik
June 10, 2015
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 ...
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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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Bankruptcy and Home Loans: What’s the Best Way to Save Your Home?
Justin Harelik
June 2, 2015
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 ...
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Judgment Liens and Mechanics Liens
Justin Harelik
May 18, 2015
If you filed for bankruptcy and noticed after the fact that there is a lien on your property resulting from a debt to a creditor originally listed in your bankruptcy, there is action you can take. The first step is to identify what type of lien is in place. There ...
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Obtaining a HELOC to Improve Your Credit Post Bankruptcy
Justin Harelik
April 29, 2015
Once you’ve filed for bankruptcy and received a discharge of your debt, you need to attempt to rebuild your credit. If you own your home, you might wonder if it’s possible to obtain a home equity line of credit (HELOC). You might also wonder if doing so would help you ...
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Receiving Collection Letters Post Bankruptcy
Justin Harelik
April 28, 2015
When a creditor does not properly cancel out an account that is listed in a bankruptcy discharge, filers who have received a discharge of debt may receive collection letters post bankruptcy. If you find yourself receiving collection letters post bankruptcy, remember that this is common and easily addressed. Sometimes accounts ...
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Bankruptcy and Foreclosure, Short Sale or Deed in Lieu of Foreclosure?
Justin Harelik
April 22, 2015
When your home is in the foreclosure process, you might be tempted to panic. You may feel like you don’t have any options. Many have been in this same situation, and there are options out there. The trick is deciphering between the options and pinpointing the one that will be ...
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What happens to my home if I file for bankruptcy?
Justin Harelik
April 21, 2015
Many worry about their living arrangements post-bankruptcy. What happens to my home if I file for bankruptcy? Will you be able to buy a home in the future if you’ve got a bankruptcy on your record? Will you be approved for long-term lease agreements even though you’ve filed for bankruptcy? Addressing ...
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Bankruptcy and Divorce: Can the Lender Be Forced to Remove an Ex’s Name from the Title?
Justin Harelik
April 20, 2015
Many individuals find themselves wishing there was a magical method to force a lender to remove an “ex’s” name from the deed to a house post-divorce. They find themselves unable to refinance even if the home was given to them as a part of the divorce decree. Some assume that they ...
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