Northern California Bankruptcy Lawyer

On The Bankruptcy Soapbox

The Soap Box

What Should Bankruptcy Cost?

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pay for bankruptcyPick the cheapest bankruptcy lawyer and it could really cost you.

It seems the newest specialty for bankruptcy lawyers is fixing mucked-up cases from other  lawyers.

The extra cost of repairing a case gone bad is only half the problem. Not all the problems created by the bargain basement lawyer can be fixed.

Even when the case can be saved,  the clients will end up paying twice: one to the cheapo lawyer, and once to us to clean it up.

Undoubtedly, they’ll pay more than if  they’d paid for competent counsel to do it right the first time.

Bankruptcy mistakes

Right now, in my office we have three conversions from Chapter 11 to Chapter 7 involving significant real estate assets.

We have cases where big ticket assets were omitted.  We have cases where the initial attorney just didn’t persist with the debtor to get the schedules right, and ones where counsel didn’t explore the choice of chapter.

Almost without exception, the debtors chose counsel based on price.  They went with the lower price for their bankruptcy case, and they bought a rat’s nest.

Cost conscious only at the end

Why is it that notions of economy only surface after a client has wracked up tens of thousands of dollars in debt?

Many of the debtors gave more thought to credit card expenditures or purchases of investment real estate during the boom than they give to picking a bankruptcy lawyer.

The influx of lawyers to this field and the prevalence of lawyer advertising suggest bankruptcy law is a commodity.  Lawyers with no track record to tout or past clients to spread the word  compete on price.  If you can buy a $15 toaster, why pay $30? goes the thinking.

What a lawyer adds

The existence of non lawyer petition preparers and do-it-yourself books reinforce the idea that bankruptcy is more like playing Go Fish than contract bridge.

Bankruptcy no place for do-it-yourself

Then, there are the official forms, suggesting that filing bankruptcy is all about the paper and not about the disclosure the paper requires.

What the bankruptcy papers require

And disclosure is what the forms are all about, and the system wants disclosure because there may be consequences to the stuff disclosed.

Quality of counsel is not reliably correlated with price:  I’ve seen some utter newbie lawyers charging more than highly skilled veterans for an inferior product.  But capable counsel is seldom the cheapest.

So, my charge to those needing bankruptcy relief is to consider that hiring the least expensive lawyer is a poor bargain.

Figure how much should you pay for bankruptcy

Another time, I’ll talk about how to assess a lawyer’s suitability for your case.

Questions to ask a bankruptcy lawyer before you file

Image courtesy of purpleslog.

10 Tips To Help You Keep Your House

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keeping your home

When financial trouble rears its head, keeping the house becomes a number one priority.

Whether the pinch is caused by loss of income, a loan that resets, or business slow down, you can find making the mortgage payments a challenge.  Not to mention sorting out escrow screwups and changes of servicers.

So, we’re rounding up some of our best posts on real estate, mortgage accounting, foreclosure prevention, and houses in bankruptcy here on one page.

mortgage debtUnderstanding what you owe on your mortgage  

Five basics that explain why the payoff of your home loan isn’t necessarily the principal balance and why the lender says you’re due for last month when you sent a full payment.

 

save houseHow Chapter 13 works to save your house

Once you file bankruptcy to stop the foreclosure, what happens next in Chapter 13 and how does it help you keep your house.

 

Your house needs an annual mortgage check up with RESPA

How to use your rights under the Dodd Frank Act to get straight forward answers about your home loan file and just what the lender claims you owe.

 

reverse mortgageThe truth about reverse mortgages  

While tapping  accumulated equity in your home seems logical, a reverse mortgage is full of catches that may trap you, your spouse, or your heirs.  Things to watch out for.

 

lien stripWiping out liens in bankruptcy 

Underwater mortgage liens can be stripped off of your home in a Chapter 13 bankruptcy.  Complete your plan and the lien with no value is forever void.

Borrower mistreatment in loan modifications: courts are fed up   

Federal District Judge finds that banks have a common law duty of care when they consider a loan modification.  Harm to the borrower is foreseeable if the servicer fails to route the application properly.

Six things you didn’t know about the California homestead 

More powerful than you thought, with limitations that are poorly known, a California homestead is the superhero of exemptions.

homeowners insuranceWhy your lender’s insurance is no good for you 

When your lender obtains insurance on your home, you’re in a world of trouble.  The bank is not looking out for you, neither in cost or coverage.

loan modification battlesTrouble persists after the loan modification  

The struggle isn’t over when you’re told you have a loan modification.  Dig into the tricks employed by loan servicers to keep homeowners from real relief and how to fight back.

 

CALIFORNIA foreclosureYour rights in a California foreclosure 

Foreclosure is a process, not a place.  Until there is an actual foreclosure sale, your rights to the property are unchanged.  Don’t be exploited.

Pay Down Debt Or Save? Which Should Come First

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debate

Pay off debt first or start saving now?

It’s a debate almost as convoluted as which came first, the chicken or the egg?

Experts heatedly take opposite sides.

You get rid of debt faster if you put all available cash into paying off balances.

BUT

You have no reserves for the unexpected if you spend everything that comes in.

After much thought, and triggered by new research, I’ve got my answer.

Start saving now.

I am convinced habits are more powerful than arithmetic.

Pay debts first is cheaper

In a world where your savings earn 1 or 2% annual interest, while credit cards cost 15-25%, it’s clear your net worth benefits from paying debt first.

The biggest bang for your buck, dollars and sense wise, comes from paying off debt.

Unless, of course, you have an unexpected expense and find yourself without funds to pay.  Then, short term borrowing is usually on even worse terms than credit cards.

But, hang arithmetic, I say.

Your balance sheet isn’t everything.

Habits drive the bus

Get the savings habit.  Even when you’re in debt.

Put a bit of your income aside every paycheck.

Dictionary.com says a habit is an acquired behavior pattern regularly followed until it has become almost involuntary:

Habits control as much as 40% of our daily activities.

Most of us have a bad habit on the subject of savings:  we label saving as something we can put off til later.

Later

  • When there are fewer demands on our money.
  • When our income has increased.
  • When the kids are grown
  • When the house paid off.

Whatever it it, we’ve created a habit of thinking that savings can wait til later.  That saving will be easy at some future time, whereas it’s hard now.

Only for most of us, no matter what life benchmark we’ve passed, savings never looks easy.  Or immediately rewarding.

So, it’s not easy.  It’s just essential.

Essential for a stable financial life.

Start small building savings habit

You don’t have to jump head first into the gold standard “set-aside of 10-20% of your income.”

If you’ve got debts from your past, it’s probably not really feasible.

Start small.  Save $30 bucks a month this month.

Save $35 next month. And so on.

Pay down your debts, but cultivate that saving habit.

Don’t allow yourself to think that saving is discretionary.  That’s a nasty habit.

Yes, saving while you’re paying interest on old debts slows your climb out of debt.

But the savings habit gets stronger.

As your debt shrinks, your rate of savings can increase.

Along with your peace of mind.

That’s where I come down on which comes first: paying off debt or savings.

It’s not one or the other.

More

Smoke, mirrors, and budgets

Update your money software

The most powerful debt management tool: not what you think

Your Bankruptcy Discharge Has Teeth: Bite Back

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bankruptcy discharge has teeth

Your bankruptcy discharge is more than a piece of paper.  It’s a federal court order prohibiting action to collect the discharged debt from you.

And it has teeth.

When creditors ignore a federal court order, it has unpleasant consequences.  Or should have consequences.

So, my call to debtors is to stop being prey to unscrupulous debt collectors.

Bite back.

Discharge binds all creditors

All creditors who got notice of your bankruptcy are subject to the discharge injunction, with a few exceptions.

That’s why it’s so important to list everyone who thinks you owe them money in your bankruptcy schedules. Getting your schedules right.

The discharge is a public record, retrievable on PACER  by anyone who is interested.

In short, there is no excuse for the creditor (or anyone who bought the debt from your creditor) to attempt collection of debts predating your bankruptcy.

And creditors who try to collect have effectively given you the right to sue them at their expense.

Here’s hoping that more debtors harassed by creditors after their bankruptcy will march into court for enforcement of their right to a fresh start.

When collector calls after bankruptcy

Whether it’s a debt buyer or the original creditor, it seems to be inevitable that you will encounter a collector after your bankruptcy case is over.

When that happens, make sure you tell the collector about your bankruptcy discharge.  To have a legal remedy for the violation of the discharge, you will need to prove that the collector knows about the discharge.

  • Tell them.
  • Make notes that you’ve told them.
  • Write them.
  • Keep a copy of your letter.

They’ve had their one cost-free mistake. The next contact will cost them.

The debt buyer can’t hide behind the fact that it wasn’t the listed creditor in your schedules.  If the debt buyer bought a discharged debt, he’s gotten nothing of value.

But again, you need to point out to the collector that the debt is gone by reason of the bankruptcy discharge.

Any further collection after learning of the bankruptcy spells trouble for the collector.

Suing to enforce the discharge

The doors to the bankruptcy court are always open to debtors whose discharge is being ignored.  And at the end of the day, prove your case and the collector pays your attorney’s fees.

How much more than your attorneys’ fees you recover depends on your ability to show how the discharge violation hurt you.

  • Lose sleep
  • Get turned down for a loan
  • End up in the doctor’s office
  • Take a credit report hit
  • Feel helpless and hounded

Those are just some examples of the damages you might experience.

9th circuit bankruptcyThe discharge is enforced by motion here in the 9th Circuit, which means you can get a hearing before the judge much faster than if you’d filed an adversary complaint.

The motion is a contested matter under bankruptcy rules.   That entitles you to discovery from the other side if you want or need it.

Most motions are heard and decided on the written pleadings and declarations. Nothing prevents a bankruptcy judge from taking live testimony.

Stop suffering in silence

If creditors who were discharged in your bankruptcy case continue to hound you, do something.

Tell your bankruptcy attorney.  Bring in the evidence about your contacts with the creditor.

If your bankruptcy attorney doesn’t handle contested matters, ask for a referral to an attorney who does or shop for a local attorney willing to enforce your rights.

It’s my conviction that until it costs creditors to ignore the discharge, they will continue to do so.

And judges don’t know this is a problem until we tell the story in their courtrooms.

So, make them toe the line or pay for the failure to do so.

Debtors beat big banks in California case

What to do after your bankruptcy discharge

Debts that survive the discharge

 

 

 

 

Your Home No Substitute For Retirement Savings

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My house is my retirement plan.

If I had a dollar for every time a client said that, I could retire today.

But that approach to funding your old age only works if….

Sell your house to retire

The value in your house makes your balance sheet strong, but doesn’t put food on the table or gas in the car.

That home equity is illiquid.  You can’t write a check against it for the other necessities of life.

To get at that equity, you need to sell the house, or  borrow against it.

A traditional loan requires that you have cash to cover the monthly loan payments.  But hey, you’re not working.  Where does that money come from?

Reverse mortgage

The reverse mortgage was invented to allow seniors who can’t make monthly payments on a conventional loan to access the equity in their home.

But the fact that a reverse mortgage has no monthly payments does not mean that it’s cost free.

No, the interest on the money borrowed accumulates over the life of the borrower.  And the unpaid interest itself earns interest.  The cost is steep.

Dangers in reverse mortgages

Reverse mortgages top list of older consumer complaints

And a condition of a reverse mortgage is that you keep up insurance and property taxes.

Real property has carrying costs

Whether encumbered or owned free and clear, real property has its own set of expenses.  Hazard insurance, property taxes, repair and upkeep.

Gotta have cash for those things.  The average Social Security check is about $1300.

Where do you live if you sell

If you’ve benefited from rising home values over your lifetime as a homeowner, the cost to replace the house you’re selling has risen as well.

And buying less house in your community still has the carrying costs we talked about above.

Or you rent.  So housing still has a cost.

Or you move out of the community you live in to somewhere where your sale proceeds go further.

You move away from friends and support systems.  Or maybe you move back to somewhere where you have a support system.  It can work both ways.

Taxes shrink your equity

Capital gain taxes are triggered if you sell your home.  Current tax law excludes from taxable income $250,000 in gain for a single person and $500,000 for a married couple. (Watch for changes, here).

So taxation will deplete your sales proceeds only if you have experienced a lot of appreciation over your lifetime.  But if you’re sitting on lots and lots of equity, count on it shrinking if you sell.

Don’t hide behind your house

There are no easy or universal answers here.  Our lives are longer and our preparation for old age is woefully incomplete.

For too many people I meet, the “home is my retirement account” is an excuse for overpaying for housing at the expense of retirement savings.  It provides cover for failure to set aside any money now.

Diversification of your retirement assets is clearly best.  Have cash and home equity as you age.

But however you are situated, give some clear thought as to how you fund those decades of life when you aren’t working.

More

Do California seniors need bankruptcy

What it costs to retire here

California homestead and senior debt

Image © Fotolia

Fearmongering and The Decision to File Bankruptcy

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fear-198932_1280

 

The unknown is often fearful.

My colleague Peter Orville wrote

It is natural to be afraid of doing something you’ve never done before, like filing for bankruptcy protection. This is especially true if you’ve heard stories about why you shouldn’t file bankruptcy.

Peter has it right.  Some trepidation is natural.

My beef is that the fear of bankruptcy is promoted by those with something to gain by demonizing bankruptcy.

Fearmongers hope to profit

The stories about why you shouldn’t file are plants.

Not growing plants, but like planted evidence:  something intended to trap, decoy, or lure, as criminals.

It’s the creditors, their cohorts, the credit scoring folks, and the debt settlement companies who want you to think that filing bankruptcy is the end of life as we know it.

You know why they do it?

Each of those sources profit if consumers are scared off from filing bankruptcy.

If they can keep you paying the debt, whether or not you can ever pay it off, or keep you scared enough to pay them to make it go away, they prosper.

No one sits in judgment 

My charge to clients is that bankruptcy is not painful.  Or at least, any pain  you experience is self inflicted.

You can make yourself (or allow yourself) to feel as miserable and worthless as you choose to do so.  No one associated with the courts, including trustees, is judgmental.

A debtor does not have to justify his choice of bankruptcy relief and does not have to prove he is “worthy” of a discharge.  Eligibility for a discharge, even after bankruptcy reform, is presumed.

I have a perverse admiration for clients who have endured the pain and despair of financial distress for as long as most of them have before seeking me out.

But life does not have to be that way;  bankruptcy is an honest and effective choice.

There is nothing to be afraid of.

More

How debt makes you stupid

What should bankruptcy cost

Credit reports heal

Plan Perfect Holidays And Better New Year

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12 days of christmas-wikimedia

The desire to turn over a new financial leaf usually blossoms when the bills from Christmas arrive in January.

What was a seed of an idea about getting out of debt, sprouts and grows after the holidays.

After the New Year, I see a surge of people who have explored bankruptcy with me months before.  They show up in the New Year, actually reappear to file a bankruptcy case after the holidays.

And I end up saying, not now.

Why, when it was obvious to me from our initial meeting that bankruptcy was necessary and appropriate?

Because their holiday buying on credit may be tagged as fraudulent as to the card issuers.

Fraud not dischargeable in bankruptcy

It’s a principle of bankruptcy law that you cannot incur debt, knowing that you don’t intend to repay it.  That’s fraud, or it looks like fraud.

Debts incurred by fraud can’t be discharged in bankruptcy.

The creditor  has to file a timely complaint and prove its case, that’s true. Sometimes, the creditor doesn’t bother.

But, many of them do.  Lose that trial and the debt survives the bankruptcy.

It doesn’t look good if you saw a bankruptcy lawyer in September, say, treated your family to a lovely Christmas in December by using your credit cards, then filed bankruptcy in February. Those facts make it look like you planned all along to shed the December spending in bankruptcy in the New Year.

In effect, the burden of proof in a bankruptcy trial shifts to you to prove that it wasn’t fraudulent. Not a good way to start your new financial life.

So my advice to someone with recent credit card use is usually, wait a couple of months.  Make some payments on that holiday debt.  Don’t invite a fight about your honesty in your holiday spending.

Start new now

Whether your financial fresh start next year  involves bankruptcy or just serious belt tightening, make it easier on yourself.

Start planning now how you can scale back some of the excesses of the holidays.  Don’t dig the hole deeper.

  • Apply time and thought to holiday making, rather than money.
  • Leave your credit cards at home.
  • Give gifts of your time and or skill.
  • Give one gift rather than several.
  • Engage your children in making gifts rather than buying them.
  • Entertain at home rather than at a restaurant.  Cut out the hard liquor.
  • Recycle or borrow decorations.

In short, focus on people rather than things.  That’s where the joy in the holidays is found, anyway.

More

Bankruptcy isn’t the last resort

Getting ready for bankruptcy

Look at the big financial picture

Image courtesy of Wikipedia and Xavier Romero-Frias

Why Keep Bankruptcy Off Your Credit Record

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We’ll help you do your own bankruptcy, promises the ad.

And for a few dollars more, we’ll sell you the secret to keep your bankruptcy off your credit record.

That pitch plays neatly into the obsession that we have about our credit reports.  Even when your financial world is upside down.

But this pitch has it all backward.

Why would you want to omit your bankruptcy discharge from your credit and leave all the debt that necessitated the BR filing showing as if enforceable?

Yes, bankruptcy is a black mark on your credit record.  But so is old, delinquent debt that  you can’t pay.  Seeing old debt on your report makes it look like you could still be sued on that debt.

What business wants to make a loan to someone who appears to owe money they aren’t paying?

What consumer wants to look like a dead-beat?

Credit reporting after bankruptcy

What should your credit report look like after a bankruptcy discharge?

When a bankruptcy discharge wipes out a debt, the creditor must report the debt as having a zero balance.

They can report the backstory, but your credit record must show that you no longer owe the money.

That goes a long way to improving your debt-to-income ratio, a central element in credit scoring.

Bad debt appears for 7 years

Delinquent debt can stay on your credit report for 7 years, dragging down your apparent credit worthiness.  The seven years doesn’t start running until the debt is sent to collections or is charged off by the creditor.

So, what’s the logic in saying that you’ll take the benefits of the bankruptcy discharge, but, shushhh, don’t tell anyone that I’m really debt free?

Games with your credit report

Bankruptcy is a public record.  The docket of the bankruptcy court can be accessed online, if you want to see who’s filed bankruptcy.

So how likely is it that the credit reporting agencies won’t pick up a bankruptcy filing?

More importantly, if a public record can be hidden from the credit reporting agencies and those who supply information to them, just how accurate is a credit report anyway?

Studies show that at least 20% of all consumer credit reports contain at least one material error.

So, get your head out from under the water and look around with clear eyes about what is important.

Danger in representing yourself

I’ve picked up and run here with  just one of the misleading or dangerous claims this “service” purports to provide to people filing bankruptcy without a lawyer.

Admittedly, I’m not disinterested in seeing that people who need bankruptcy relief get a lawyer’s help to get all the relief available.  Attorneys fees, after all, are how I make a living.

But I practice this kind of law because it’s a powerful tool for people in financial trouble.

And I’ve sat in too many courtrooms watching debtors without lawyers lose assets to the bankruptcy trustee, or make timing or disclosure errors that cost them big time.

But the cautionary tale about do-it-yourself bankruptcy is told elsewhere on Bankruptcy Soapbox.

More

Credit reports heal

Credit reports after bankruptcy

How to interview a bankruptcy lawyer

Don’t File Bankruptcy In December

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wait to file bankruptcyBankruptcy can wipe out taxes, but there’s a catch.

File bankruptcy before the end of the year and you fix only a part of your tax problems.

Tax troubles are at the heart of so many bankruptcy filings.  It makes sense:  bankruptcy is a powerful and predictable tool to get out of tax debt.

Yet I’ve been telling clients for weeks now:  don’t file bankruptcy…..yet.

Wait til January.

Why wait to discharge taxes

Because most people who owe back taxes are facing similar trouble for the current tax year.

Come the end of this tax year on December 31st, they’ll owe taxes for 2018 because their withholding doesn’t match the taxes due in April.

In Chapter 13, which is almost always the better chapter for tax troubles, the Chapter 13 plan doesn’t address tax years that aren’t closed when the case is filed.

That means that your liability for the year in which you file bankruptcy doesn’t get priority for payment over your credit card debts.  In fact, the open tax year often can’t be paid through the plan.

And I hate to see money go to general unsecured creditors when tax debt remains.

So, I’m counseling clients to wait til January to file.  Get this current year’s tax troubles rounded up and corralled in the Chapter 13.

Buy yourself 5 years to pay whatever you owe for this year along with the taxes that brought you in my door in the first place.

Tax liens in bankruptcy

Another one of Chapter 13’s superpowers is the ability to cut tax liens down to size.

No matter how huge the tax liens are, in Chapter 13 those liens get paid only the value of your possessions when you file your case.

Really, the liens get paid only the equity in your assets that remains after liens that were filed before the tax lien.

So even if the tax lien is $100,000, if the equity in your possessions is only $10,000, that’s what you pay over the 5 years of the plan.

And after the case is  over, the balance of the lien is voided along with the tax liability that it secured.

Pretty neat, eh?

When IRS threatens to levy

A notice of intent to levy is often what makes folks call up a bankruptcy lawyer.  That notice seems to promise doom and the end of life as you know it.

Know that an actual levy is the IRS’s last resort.  There are processes and procedures built into the Service’s collection process.

A levy gets only what’s in the levied bank account on the day the levy is served.  If the bank balance is tiny, the IRS’s recovery is tiny.

Usually, if you engage the IRS in discussions about a payment plan, or even make a payment on your debt, your case becomes a lower priority for an understaffed IRS.

It depends on the numbers, of course, but usually, the advantages to waiting til January 1 outweigh the risk of collection between now and then.

Once your case is filed, the IRS, along with every other creditor, is forbidden to continue collection action.

Before you file bankruptcy

There’s lots to do to prepare for a bankruptcy filing.  These weeks won’t be wasted.

Why your bankruptcy papers are critical

Your bankruptcy attorney will need lots of paper from you to get your schedules right and to calculate a plan to get you out of debt.

Some of the things you’re likely to need include:

  • Pay stubs for the past six months, including December’s
  • Tax return
  • Contract for any financed vehicles
  • Tax notices from federal and state
  • Appraisal or broker’s opinion on the value of your real estate
  • Proof that your retirement accounts are exempt
  • Bank and investment account statements

You also need to prepare to get your tax return for this year filed quickly after your bankruptcy is filed.  You have 45 days from the filing of your Chapter 13 to get the return filed.  So start gathering whatever you’ll need to get the return on file promptly after your bankruptcy case is filed.

And, readjust your withholding for next year so you are adequately withheld for the coming year.  Owing more taxes once you are in bankruptcy is grounds for the dismissal of your case.

Find a good bankruptcy lawyer

Bankruptcy is difficult enough.  You need to have confidence and rapport with your bankruptcy lawyer.

Use the time between now and the first of the year to interview a bankruptcy lawyer and find one with experience in tax matters.

How to interview a bankruptcy lawyer

It’s equally important to find a lawyer to whom you are willing to confide your secrets and your worries.  The problem I can’t protect you from is the one you don’t tell me about.

So when you hear those screeching commercials that say “don’t file bankruptcy”, you can add, “yet”.

File bankruptcy at the right time for the right reason.

Life After Bankruptcy: What’s It Really Like?

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life after bankruptcyWhat’s life really like after bankruptcy?

Everyone suffering through financial difficulties wants to know whether filing bankruptcy just trades one form of pain for another.

Will you be shut out of the American dream forever?  Unable to function in a world centered on electronic payments?

Here’s a collection of our best stories and advice on the world of your fresh start.

Your credit heals

Damaged credit improves over time, just like wounds heal. A credit report is not like a wine glass that once it’s broken, it’s gone forever.

 

after bankruptcy8 Tasks after bankruptcy

You’ve still got work to do after your bankruptcy to enjoy your fresh start.  Figure out where you are, money wise, and apply the lessons of the debtor education class you took to get the discharge.

 

after bankruptcyRenter to homeowner
Even with generous California exemptions, this aging client had nothing coming out of bankruptcy because she had nothing going in. Three years later, she’s a homeowner.

 

debts after bankruptcyDealing with debts that survive bankruptcy

A few unsecured debts can’t be discharged in bankruptcy; it’s a short list.  Some liens are your assets remain a charge on the collateral for that lien, but not on your new acquisitions.

 

car loan after bankruptcyGetting new wheels
How do you hold on to your ride, or replace your aging car after bankruptcy? Understand the impact of a shedding debts through bankruptcy.

 

bankruptcy discharge has teethDefending your discharge

The bankruptcy discharge is a federal court order;  it has teeth.  If creditors ignore your right to be free of collection efforts, you may have to bite back.

 

life after bankruptcyBankruptcy can be a life-changing event, for the positive

Life after bankruptcy can be what you make it.  You get a chance to make some new choices and to strip some sources of stress from your life.  How will you color it in?

More

Is it better to just keep making minimum payments?

Secret alternative to bankruptcy

How debt makes you dumb

643 Bair Island Road
Suite 403
Redwood City, CA 94063
Phone: (650) 694-4700

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