California homeowners have new, powerful rights to stop a foreclosure sale and sell their homes themselves. The new law became effective January 1, 2025. When you’re faced with a foreclosure sale date and a Chapter 13 bankruptcy case won’t work, the CA legislature has created an opportunity for you to put off the foreclosure so […]
Mortgage Matters
Strictly California

Separate Finances Didn’t Protect Spouse From Financial Disaster
By keeping separate finances, this California couple thought they had insulated the wife from the financial woes of her entrepreneur husband. They didn't share bank accounts nor credit cards while she carefully kept her distance from his business dealings. … Read Full Article

Do I qualify for bankruptcy in the Bay Area?
The higher-than-average wages in the Bay Area don't disqualify you from bankruptcy, despite rampant misinformation about the bankruptcy means test. The means test, added to bankruptcy law in 2005, was (poorly) designed to keep above-average earners out of … Read Full Article

California Exemptions Increase for 2025
New 2025 California exemption amounts becomes effective April 1, 2025. And it's no joke. The new exemption numbers will protect more value in cash and assets necessary for everyday living. Exemptions define the assets that are safe from creditors in … Read Full Article