According to the new FTC Telemarketing Sales Rule debt relief companies who receive inbound calls are also now prevented from receiving up front fees until a debt is settled. Many debt settlement companies charge upwards of 15% and charge this before anything is paid to your creditors. Meanwhile your interest…
Hunt and Henriques seems very trigger happy to sue but not so diligent in taking care of their lawsuits. If you have been sued by Hunt and Henriques or recently received a summons, there are several options available. You can file a chapter 7 or chapter 13 bankruptcy. You can…
Chapter 13 has some powerful aspects that can really help people with financed vehicles. In a chapter 13 if you owe more on your vehicle than the current market value(blue book) then we can restructure your financing so that you pay on what the car is actually worth. This only…
I have had more and more clients call me about Hunt and Henriques. Hunt and Henriques are one the biggest debt collectors for Citi in California. They have a few attorneys but a lot of collectors and are essentially a collection company posed as a law firm. They do file…
I get phone call after phone call where people want to file for bankruptcy and continue to work with their lender on obtaining a loan modification. The problem is that once you file the lender has to stop directly working with you because they are a creditor and to continue…
Don’t feel guilty about filing for bankruptcy. When forced into dealing with overdue bills and financial problems, many of us bury our head in the sand, stop opening bills and feel anxiety and guilt about the situation that we are in. Don’t allow those feelings to stop you from finding…
CALIFORNIA BANKRUPTCY FAQs Question: Can I still file bankruptcy after I’ve been sued or after a creditor has a default judgment against me? Answer: Yes. You can almost always still file bankruptcy and a judgment creditor will be in the same postiion often times as your other unsecured creditors. A…
I now serve clients through the Coachella Valley with a more permanent structure law office in order to help people file for bankruptcy. I was running a virtual practice out of San Francisco but would take clients all over California. The majority of my clients were coming from the inland…
I am now a local Bankruptcy Attorney for Riverside County. I have been filing cases here for over three years but have recently decided to move my family to be able to service more bankruptcy clients. The riverside bankruptcy court is the busiest bankruptcy court in the country. In 2009…
The bankruptcy process starts with the filing of a petition. In the petition you list all your assets as well as your liabilities. I typically pull a credit report from all three credit bureaus and then review with my clients to ensure that all debts are in there since some…