Workers making close to the California minimum wage got additional protection from wage garnishments under a change in the law effective back in 2013. With the annual increases in the state minimum wage, in 2019 California law now protects an employee’s weekly net wages up to 40 times the state minimum wage, currently $11 to $12 […]
Free Tax Preparation Offered In Bay Area
Households with an annual income of $54,000 or less can have their tax returns prepared for free through the Bay Area United Way’s Earn It, Keep It, Save It program. Earned Income Tax Credit The Earn It, Keep It, Save It campaign is particularly focused on enabling qualifying individuals and families to access this tax […]
Debt Collectors Distort Law On Debts Of Spouses
Debt collectors claim you are personally liable for your spouse’s, debts. Or even for your ex-spouse’s debts. That’s a (convenient) lie. California community property law is complicated. I get it. It shouldn’t surprise me that debt collectors don’t understand community property. Or maybe, they find it inconvenient to understand. Or maybe, they deliberately distort the […]
Little Time To Spare When Served With A California Lawsuit
Being served with papers in a California collection suit doesn’t generally help your critical thinking process. In fact, that surge of adrenaline seems to blur the eyes and fog the brain. So when you scan the lawsuit papers and see a date, months down the road, you exhale and set the problem aside for another day. […]
California Only Middling In Protecting Families From Debt Collectors
When it comes to protecting working families from debt collectors, California gets a B, according to a study of state exemption laws conducted by NCLC. That’s up from the C it got in the last survey. No state got an A in the study: Utah, Alabama, New Jersey, Tennessee and Michigan rated F’s. State exemption laws […]
How Filing Bankruptcy Can Benefits Your Heirs
Elders in California enjoy enhanced state exemptions that protect them from debt collectors. Those protections often make it unnecessary for a debt-laden senior to file bankruptcy. But no one talks about one consequence of relying on exemption law to fend off creditors. California exemption laws that fully protect the assets of seniors provide no protection to the heirs. […]
The Easiest Business Loan In Town
Running a small business is hard work. Cash flow is tight; time is in short supply. When there’s just not enough in the bank to cover payroll, the easiest loan in town is from the Bank of Uncle Sam. There’s no application, no review, no waiting. You just give employees their checks, net of […]
Why Bankruptcy Means Test Is Paper Tiger In Bay Area
Bankruptcy’s means test is a paper tiger in the San Francisco Bay Area. Really! You can see why few Bay Area residents are constrained by the means test when you compare the latest median income figures used in the means test with the allowed cost of rental housing here. To review: Congress in 2005 tried to write […]
Who Gets Grannie’s Cash – Grannie Or The Bankruptcy Trustee?
When there’s a joint bank account and a bankruptcy filing, good intentions can quickly go sour. The bankruptcy trustee sees a pile of money in the bank to which the debtor has access, even though the account also bears the name of someone not in bankruptcy. If the debtor can get the money, the trustee […]
Marital Separation Doesn’t Require Two Homes
Split the sheets in California, and your wages are no longer community property. That’s because property acquired during marriage but after a marital separation isn’t community property. That’s been California law for a long while. The sticky wicket has been drawing the line when the marriage has broken down and the couple has separated. “When” they separated determines […]
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