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…
Advising a debtor on who to settle with first can be a daunting task, but with the right advice from an experienced attorney, I can make the choices easier for you. I find that Bank of America is a good creditor to take care of first, once you are 90-120…
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…
The first question that I want to answer is that filing for bankruptcy will not stop you from being able to get federal student loans in the future. If somehow(although unlikely) your federal student loans got discharged in a previous bankruptcy then you might have to reaffirm those loans in…
Transferring non-exempt property to exempt property is one way to protect value in your estate prior to filing for bankruptcy. There are rules in regarding whether you did so with the intent to hinder, delay or commit fraud on creditors, but these can be overcome. There must be some evidence…
Medical Debt can be disguised as credit card debt so its hard to get a true hold on whether clients are facing insurmountable credit card debt or medical debt when they file for bankruptcy. Even in my personal situation I can vogue for this fact. I have three children and…