Bankruptcy stops foreclosures, with certainty. It’s the surefire defense to a scheduled foreclosure sale. Then why do homeowners keep waiting til the day before the sale to find a bankruptcy lawyer? Most of the other ways to stop a foreclosure sale require either gobs of money or an agreement with the existing lender or a […]
How Long Does Bankruptcy Take?
Every client filing bankruptcy asks that question: how long will bankruptcy take? Probably, the real question is “when will this be over?” Like so many questions in the law, the answer is “it depends.” From filing bankruptcy to discharge In a Chapter 7, filing to discharge is about four months; in Chapter 13 it’s three […]
Has Your Social Security Number Been Suspended?
The latest variety of tax scam picked the wrong target when they called my fellow bankruptcy lawyer Wayne Silver. Your social security number has been suspended, claimed the caller. Having no identity is scary. What’s a guy to do without a Social Security number? It’s sad that we are reduced to needing a number to validate […]
7 Keys To Keeping Your House: Chapter 13 After You File
Filing Chapter 13 bankruptcy stops the foreclosure. You’ve protected your home, for the moment. Bankruptcy gets you a sheltered legal environment to address the problems with your mortgage. You heave a sigh of relief. But the fight to keep your house isn’t over, just because there’s a stay. You’ve just gotten through the first round. […]
Bankruptcy Disclosure: Don’t Let Orange Be The New Black
How will anyone know? That’s the question clients ask about assets that they don’t want to disclose on their bankruptcy schedules. Clients are usually afraid of losing the property or of involving family and friends with the bankruptcy court. They really just want to fly under the radar in their social circles. Why do we […]
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 […]
Turned Down For A Bank Account? Fight Back
Turned down when you tried to open a bank account? We have a clue why. We all know the big three credit reporting agencies: Experian, TransUnion, and Equifax. But if you’ve been turned down for a bank account, you need to meet the other players in this space: the checking account screening companies. Certegy ChexSystems […]
Comparing Bankruptcy Chapters By Impact on Assets
Will it be Chapter 7 v. 13? The choice of bankruptcy chapter is complex, involving many interconnected factors. Here we’re going to compare just the treatment of different kinds of assets in Chapter 7 versus Chapter 13. See here for a look at other factors that drive your choice. Start with exemptions Exemptions are the […]
What’s Included In Bankruptcy?
People ask, all the time, what’s included in bankruptcy? What do I list in my bankruptcy paperwork? Think of it like this: bankruptcy is a snapshot of your situation on the day the bankruptcy case is filed. Maybe, you think of your bankruptcy like the Clampett’s Buick, arriving in Beverly Hills, crating all their stuff. […]
Behind on car loan?
Are you looking over your shoulder for the repo man every time you park your car? You’re not alone. Delinquent car loans are on the rise: almost 1 in 20 vehicle loans are in default. If you’re in that group of Americans struggling to pay for your wheels, there are solutions in bankruptcy. If you […]
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