You’ve finished your Chapter 13 and emerged from bankruptcy with your home loan current. But your credit report is a blank page as to your mortgage. The mortgage servicer isn’t reporting your payments to the credit reporting agencies [CRA’s]. Nothing. Nada. Crickets. So, even though you’re making regular payments, you’re not visibly rebuilding your […]
Strictly California
Little Time To Spare When You’re Served With A Lawsuit
Being served with papers in a 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 … Read Full Article
When Your Bank Account Is Seized: California Action Plan
Time is short when you get a notice that a creditor has levied your bank account. California has protections that may allow you to recover money that's been seized. But success in getting your money back depends on prompt action and following … Read Full Article
California Homestead Exemption: The Truth Isn’t What You Think
"They can't take my house, whatever happens. Right?" The young man in my office "knew" that the substantial equity in his home was exempt as a California homestead, even if he filed bankruptcy. He "knew" that credit card debt was dischargeable. And … Read Full Article
