Northern California Bankruptcy Lawyer

On The Bankruptcy Soapbox

The Soap Box

Does This Struggling Business Have A Future?

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virus damaged business

Long after the human patients recover from the coronavirus, small businesses will still be struggling.

And long nights will be spent deciding whether to try to stay in business.

Here are some things to weigh as you consider the future of a struggling small business.

The desire to continue

The most important part of most small businesses is the owner. The owner supplies the vision and the drive that makes the business run.

If you are drained of vision and drive, then allow yourself to exit. Soldiering on just so you don’t have to admit you’re done is unlikely to have a good result.

If you’re game to continue, there are more questions.

Is the business viable

When the lock-down is over, and we creep back to the new “normal”, the next gating question is whether there’s a post pandemic market for the business’s product .

And if there is continuing demand for the product, how long is the ramp up?  What financial resources does it take to survive the ramp up? And what’s the likely volume of business to be expected over the short run? The longer run?

Reorganize for survival

The pandemic has forced change and re evaluation on all of us.  When things are already disrupted, considering change seems less overwhelming. And more essential.

Could the business continue with

  • fewer owners
  • fewer employees
  • no brick and mortar premises
  • narrower market
  • broader market
  • partnered with others

Embrace the disruption and move the pieces around the board, at least in your mind.

New debt and lingering death

Business loans seem to be at the center of the government’s recovery strategy. Distressingly, the rules about when/if those loans need to be repaid are unclear, incomplete, and subject to change.

It’s worth some thought as to whether the business can handle more debt. What is the current debt structure, and were you paying that debt down before the pandemic?

Another way to think about more borrowing is that it may be essential as a short term strategy to keep food on the table until you have more options outside of the current business.

Wind down and move on

Writing the existing  business off as a lost cause isn’t necessarily an all or nothing choice.

Perhaps you fold the existing business but remain in the same industry, as a proprietor rather than an entity, or as an entity after a personal bankruptcy.

Dangers inherent in corporate Chapter 7

Maybe, this is the time to change industries, take a salaried job, return to school, or ????

Challenges for all

The issues are complex and intertwined. And with the virus still shadowing our lives, uncertainty abounds. Allow yourself some time to consider how you move forward.

More

Collected posts on coronavirus impact on personal finances

Separating yourself from your business

When Is The Right Time To File Bankruptcy

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when to file bankruptcy

It can be hard to know when it’s the right time to file bankruptcy. But I was blown away by the man who called my law office.

Should I wait until all of my savings are gone to file bankruptcy?, the caller asked.

And he didn’t mean, until my net worth is greatly reduced; he meant, until my bank balance is zero.

One has to admire the resolve of those who propose to pay on debts that they can never repay up to the point where they literally have nothing.

My advice, of course, is “no“. There is no point in making further payments when you can see you’re heading for bankruptcy.

Bankruptcy exemptions allow you to keep a collection of assets necessary for a fresh start.  In California, we have exemptions that will even shelter meaningful cash in the bank.

In Chapter 13, you can keep everything you own.

There is not even a requirement  that you be destitute or even insolvent to file bankruptcy.  You simply need to be willing to play by the rules of the bankruptcy chapter you choose.

Those rules are centered on making full financial disclosure.

When to consider bankruptcy

The short answer is probably now.  

If you are reading this, you probably wonder if bankruptcy could help you out of a hole.  Instead of wondering, see a bankruptcy lawyer. (I’ll tell you a secret:  bankruptcy lawyers don’t bite.)

So often I wish clients had come to me earlier:

  • before they borrowed against their retirement to pay credit cards;
  • before they took bad home loans that imperil their home;
  • before they borrowed from one credit card to pay on another.

Don’t take big financial steps til you see a lawyer

The right time to consider bankruptcy is when you suspect that you can’t really repay your debts in full in 3-5 years, on your own.

Or, when the stress of being in debt interferes with your health or your relationships.  Or, when you have no reserves should things get worse. 

Stress kills

Seeing a bankruptcy lawyer doesn’t commit you to filing.  It just arms you with information about what your options are.

Most people who see a good bankruptcy lawyer are surprised that bankruptcy relief is relatively simply and very effective for almost everyone.

Information is power….become more powerful. Figure out if now is the right time to file bankruptcy.

Read on

Picking a bankruptcy lawyer

Alternatives to bankruptcy

What you keep through bankruptcy

Debt Collector Threats: Which Ones Are Real?

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debt collector

“What debt collector threats should people be afraid of?” was the question my friend bankruptcy attorney Cathy Moran asked.

To which I replied, “Afraid of? Pretty much none of them!”

Because they’re mostly all empty threats.

  • You’re not going to jail,  

    Can you be jailed for not paying your debts?

  • They are not going to come get you,
  • Your credit is not about to be ruined, and
  • Who cares if your “account is being referred to the attorneys for review?”

Trust me, I’m actually a former debt collection attorney!  None of those threats, even if they happened, changes anything in your tussle with a debt collector.

The three threats with teeth

There are only three things you really need to heed.

ONE: There’s a court judgment against you or your spouse and they just proved to you that they found out where you work and are threatening to garnish your wages.

TWO:  There’s a lien against your property by an HOA or a mortgage lender and they are threatening to foreclose on your home.

THREE:  You’re late on your car payment and they’re threatening to repossess it.

That’s it. (And even those three things aren’t too big of a problem, because the lender wants to make a deal without doing ANY of those things).  Watch for our next post on what to do if threatened with any of these genuine threats.

Turning the tables

The rest of it, well, that’s just opportunity.

An opportunity to either block your phone from illegal scammers OR an opportunity to teach these purveyors of empty threats a quality lesson by getting some free legal advice about filing a lawsuit that could eliminate your debt and entitle you to compensation!

The debt collector who may be worthy of a lawsuit sends you real letters or dials you from a number that’s connected to a real company, or at least calls and says they’re from a real company. (Just because they’re from a “real company” doesn’t mean they won’t tell you lies, call your work, tell your family about your debt, or otherwise do illegal things.)

The criminal scammer never tells you who she is or who she represents. She just gets really crazy (like YOU’RE the crazy one for not paying her RIGHT NOW) and then wants your debit card ASAP. (Notice that the criminals don’t want credit cards because you could reverse the charges).  Because they’re a scammer, rather than just a sleaze, you’ll never find them to sue them for breaking the laws on fair debt collection.

So, the simple rule is this – If you can find out who the “real company” is that’s harassing you, reach out and get free help.

If they’re just scary vague threats with no address, just block those calls and let them drift away from your mind forever.

More

Wage garnishment survival guide

A close look at the weapons of a debt collector

When debt collectors call after bankruptcy

Collecting from the debt collectors

 

When Your STBX Files Bankruptcy: An Action Plan

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stbx bankruptcy

Whether the news comes by phone or mail, the notice that your soon-to-be-ex spouse has filed bankruptcy can bring fear and confusion.

You need some facts and a plan, now.

So let’s look at how bankruptcy affects a non filing spouse and how to chart a course through a STBX bankruptcy case.

Child support safe from bankruptcy

Regardless of the bankruptcy chapter, the debtor’s obligation for child support, spousal support or family support cannot be discharged in bankruptcy. When the bankruptcy is over, unpaid debts for support live on.

Not only is support non dischargeable, it has the first priority for payment from any funds distributed to creditors in bankruptcy.

In bankruptcy lingo, support is called a “domestic support obligation”. Whatever it’s called, it can’t be wiped out in bankruptcy.

Automatic stay halts only some proceedings

When a person files bankruptcy, an injunction against collection of existing debts automatically takes effect. But there are exceptions to many kinds of actions arising in family law.

Not affected by the stay are proceedings

  • to establish or modify support
  • touching custody or visitation
  • to dissolve the marriage
  • to address domestic violence
  • to collect support from funds not property of the estate.

So, effectively the division of property becomes the biggest issue affected by the automatic stay is . Proceedings in family court touching property must halt, until either the bankruptcy is closed or you get relief from the stay from the bankruptcy judge to go forward.

Community property in a one-spouse bankruptcy

Filing bankruptcy brings all of the filer’s assets, tangible and intangible, into the bankruptcy estate, potentially to pay creditors.

community property states map

The real surprise for a non-debtor spouse in a community property state, shown here in red.

Bankruptcy law brings all of the community property of the couple into the estate. Not just the half of the community that is allocated to the spouse that filed bankruptcy, but all of the community.

In return for inclusion of all of the community property in the estate, all of the creditors who could have satisfied their claim from community property can be paid through the bankruptcy.

Community claims that aren’t paid in full in bankruptcy are discharged as to the debtor and any future community property. If you are separated when your spouse files bankruptcy, what you acquire after separation is not community property under California law.

Effect of discharge on your debts

Debts that you incurred in your own name (not jointly with your spouse) are not wiped out as a personal liability of yours.

So, after your spouse’s discharge, your creditor can’t collect from community property; the non exempt community property has already been applied to debts. But your creditor can get a judgment and collect from any other assets you have.

As a matter of contract law, your separate property is not liable to a creditor for a debt standing only in the name of your STBX.

Your credit report after your spouse files

By federal law, each individual is supposed to have his or her own, separate credit file. A bankruptcy filing by your spouse should not show as a bankruptcy on your file.

credit report

However, debts for which you are jointly liable for, by contract, may have a note in the credit report that the debt was “included in bankruptcy.”

However, debts for which you are jointly liable for, by contract, may have a note that the debt was “included in bankruptcy.”

Monitor your credit report so you can challenge any erroneous reporting.

Bankruptcy and the division of property

While all the debtor’s assets come into the bankruptcy estate, exemptions allow debtors to keep certain assets to fund their fresh start. California has two, alternative, sets of exemptions that are comparatively generous.

If your STBX wants to elect the California bankruptcy exemptions rather than the standard California exemptions including the homestead, you need to agree to that choice. Without your agreement, a bankruptcy debtor in this state must choose the standard exemptions.

California law wants to protect the family home above all else, unless the spouses agree that the alternative exemption system is a better deal for the family.

property division

Your rights to a share of exempt property isn’t cut off by bankruptcy. The division of the exempt property remains the job of the family court.

Some assets, like retirement accounts, simply aren’t included in bankruptcy by law. Those assets need to divided in the dissolution.

Your action items for STBX’s bankruptcy

Most bankruptcy filings are straightforward and most debtors do their best to play by the bankruptcy rules. If you are concerned or curious about your STBX’s case, here’s a list of possible to-do’s for you, the non filing spouse.

Get copy of bankruptcy schedules

The schedules should list all the debtor’s assets and all of their debts. They are signed under penalty of perjury, so they may be of future use in family court if there are debts you didn’t know about or assets that are omitted.

Confirm you’re on the mailing list

The court will send notices about significant activity in the case, including entry of a discharge. Make sure you and your family lawyer are on the list.

Let your family lawyer know about the case

Parts of your lawyer’s work is covered by the automatic stay. Make sure to share the news. The schedules are filed under penalty of perjury. If the schedules paint a picture different than the one you know, there may be legal consequences in the divorce.

Review the schedules

Look for any assets that are missing from the schedules. See what exemptions have been claimed. You can notify the bankruptcy trustee or the United States Trustee about significant discrepancies in the schedules.

Check for missing creditors

Bankruptcy discharges only debts of creditors who get notice of the case. Make sure that all the creditors you know about are there on the schedules.

File a claim

If you are owed any support that is unpaid as of the date of filing, file a proof of claim with the court. Only creditors who file a claim can be paid through the bankruptcy. Payment is generally months or more after the case is filed.

Do you need a bankruptcy lawyer

Most likely, you have no need for a bankruptcy lawyer. However, if you are worried, or see major issues with the debt and assets listed in the case, get some input from an experienced bankruptcy lawyer. Timelines are short in bankruptcy cases and good advice can help you see your way forward.

More

How to interview a bankruptcy lawyer

Debts that survive a bankruptcy discharge

Basics of bankruptcy and the available chapters

We Live In An Economic House Of Cards

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I’ve long said to bankruptcy clients that bankruptcy can’t fix an income problem, it can just ameliorate an outgo problem.

In the last round of frantic bankruptcy filings a decade ago, one symptom seemed to be that too many families in the Silicon Valley  couldn’t really afford to live a middle class life here.

They filled the gap between economic realities and their expectations with credit cards until the house of cards came tumbling down. 

In bankruptcy, I could provide the tourniquet that staunched the credit card outflow. But it seems the problem of struggling families isn’t just an outgo problem: it’s income based and it’s everywhere, not just California.

A United Way study shows 43% of American households can’t afford a bare bones budget.  That’s 51 million households that can’t afford the basics of food, rent, child care, transportation, health care and a cell phone.

Even when unemployment was low, the income generated falls short for a huge swath of our populace.  The people the United Way set out to study were those they dubbed ALICE:  Asset Limited, Income Constrained, Employed.

What they found calls out for national attention and an economic reordering that keeps all of our families self sufficient. The problem has been further exposed and exacerbated by COVID-19.

My skill-set in bankruptcy is no match for people on the edge of destitution. Only a national resolve to spread the blessings of liberty more equally will suffice.

What Should Bankruptcy Cost?

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pay for bankruptcy

Pick the cheapest bankruptcy lawyer and it could really cost you.

We’re trained as consumers to find the lowest price for stuff we buy. But picking a lawyer is not the place for economy.

But how can you know what a bankruptcy should cost when you’ve never hired a lawyer before and you don’t want to ask around?

Lots of factors drive the price of bankruptcy: location, complexity, competition.

But one thing is universal.

The cheapest bankruptcy lawyer in town either doesn’t have experience or doesn’t plan to do the work himself, pawning your case off on unlicensed staff.

And the  extra cost of getting another lawyer to repair 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 again to competent counsel to clean it up.

Undoubtedly, they’ll pay more than if  they’d paid a good lawyer to do it right the first time.

Bankruptcy no place for mistakes

Right now, in my office we have three conversions from Chapter 11 to Chapter 7 involving significant real estate assets. These are cases where Chapter 11 was doomed from the start.

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 really analyze 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.

Bankruptcy forms are misleading

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. The fact that there are forms to fill out suggests that filing bankruptcy is all about the paper. It’s really 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.

Price isn’t everything

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 cheap bankruptcy 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.

More

Questions to ask a bankruptcy lawyer before you file

Why you don’t want a bankruptcy lawyer to fight for you

Image courtesy of purpleslog.

When Is The Time Right To File Bankruptcy

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time to file bankruptcy

Just like stand up comedy and batting in baseball, filing bankruptcy is all about timing.

Timing your bankruptcy filing is no different.

File bankruptcy too early, or too late, and you risk losing assets or advantages that better timing could have assured.

Admittedly, you don’t always have the luxury of filing bankruptcy on your own schedule. But for those who can plan ahead, better bankruptcy outcomes are available.

When IS right time to file bankruptcy

Bankruptcy law measures lots of rights with reference to events occurring before filing. Some of these rights involve you, the debtor. Other rights belong to the bankruptcy trustee, or your creditors.

These time periods affect

  • Exemptions  
  • Discharging taxes  
  • Tax refunds  
  • Clawbacks of money transfers  
  • Eligibility to file bankruptcy  
  • The amount of your Chapter 13 payment  

File bankruptcy before

The most common and avoidable mistake in bankruptcy is waiting too long to file. Filing sooner can avoid

  • Spending money you could keep if you filed bankruptcy  
  • Enduring stress caused by debt  
  • Foreclosure  
  • Creditors get liens you can’t avoid  

File bankruptcy after

Some events you want behind you before you file. Usually, you want to know that the worse of the debt is behind you. File bankruptcy when

  • Finances are improving
  • Tax year is closed
  • Receipt of one time income event
  • Payments to insiders have aged

Juggling timing

It doesn’t take much to realize that each of these timing issues are complicated. And each issue interacts differently with other timing issues.

bankruptcy factors

Sometimes you have to weigh some circumstances that suggest an immediate filing against others suggest waiting.

Weighing those competing factors is what a good bankruptcy attorney does for you.

Nationally recognized financial writer Liz Weston had thoughts about considering bankruptcy. Her thoughts boil down to plan ahead. Get advice early, so you can pick the time that’s right.

Any attorney can fill out the forms for you. Skilled attorneys understand what the information in those forms means for the outcome of your case.

Just as importantly, skilled attorneys help you understand the pro’s and con’s of filing at any particular time.

More

What you have to do to file bankruptcy

How to interview a bankruptcy lawyer

Debt Settlement Is A Dud

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debt settlement

Debt settlement is often dangled in front of the financially challenged as an alternative to bankruptcy.

Sounds good:  making a deal with your creditors has enormous appeal when you can’t pay everything that you owe.

And debt settlement companies count on it.

The pitch for “settling your debts” touches a nerve.  Almost everyone WANTS to pay their debts.

But the truth is :  Debt settlement companies rarely deliver what they promise.

Their pitch shouts that debt settlement is superior to bankruptcy.

It just ain’t so.

All too often, the client of the debt settlement company is exposed to continuing collection calls, lawsuits, plumeting credit scores, and garnishments while the company is attempting to settle the debt.

And in the end, many dollars later,  debt settlement delivers neither a debt free life nor an undamaged credit report.

The appeal of debt settlement

What is it that makes a chancy, drawn out, expensive relationship with one of these debt settlement companies seem attractive to the financially overwhelmed?

I’d suggest:

  • Enrollment  appears to offload the problem on someone working for you
  • High profile media types like Suze Orman and Dave Ramsey badmouth bankruptcy
  • Promoters suggest that there is a “secret” to settling your debt for pennies on the dollar
  • Paying some part of debt is morally satisfying

As long as the public buys the idea that bankruptcy is akin to leprosy, those who, for a fee, offer the secret, non bankruptcy solution get rich.

Settlement company gets theirs first

The truth is that most debt settlement companies get their money upfront.  The first several months of payments don’t go to creditors or to building a settlement kitty, they go to the debt settlement company.

When the consumer figures out that paying the debt settlement people for months on end has not resolved any of the life-sapping incidents that come with being in debt: collection calls, law suits, levies, the debt settlement folks can move on to the next troubled consumer, with money in their pocket.

Bankruptcy works

By contrast, bankruptcy is available for a flat filing fee of around $300 to the court, plus attorneys fees.

It costs the same whether you have modest debt or huge debt.

It is instantly effective to stop collections.

Creditors can’t opt out, like they can with debt settlement.  All creditors are bound by the automatic stay and ultimately by the discharge.

And, the rules are enforced by a judge, with powers of sanctions and even incarceration.

What a bankruptcy judge does

The cherry on the top is that bankruptcy doesn’t generate cancellation of debt income issues. like debt settlement does. By law, debt cancelled in bankruptcy isn’t taxable income.

The long-term tax advantage for homeowners in bankruptcy over debt settlement

Bankruptcy bashes debt, for certain and for all time.

More

Pay off credit cards with no interest

Make no changes til you see a bankruptcy lawyer

What to ask a bankruptcy lawyer before signing up

Image courtesy of derekbruff.

Stop Making Quarterly Tax Payments

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quarterly tax paymentUncle Sam expects a quarterly tax payment from the self employed.  Since you don’t get a paycheck with regular tax withholding, the burden’s on you.

Lighten the burden. Make this the last quarterly tax payment you pay.

Seriously.  Don’t make any quarterly payments for this coming year.

Think I’m advocating tax resistance?  No way.

The tax collectors  have more weapons than you want to encounter.  It’s like the advice from the era of newspapers:  don’t pick a fight with someone who buys ink by the barrel;  

Don’t spit in the face of the tax man.

Give up making them quarterly, I say.

Pay taxes monthly, just like every other recurring bill in your life.

Why quarterly tax payments invite trouble

Folks who get a paycheck have their income tax liability, or at least some estimate of that liability, deducted from each paycheck.  No fuss, and, well,  only some bother.

Their take home pay has already paid the taxes.  The paycheck is what is available to pay the bills.

Not so the self employed.

We are expected to make quarterly estimated tax payments in January, April, July, and October.

I’m sure the quarterly arrangement was seen as a convenience when instituted.

But it’s not necessarily convenient.  You have to set aside money regularly so you have a fistful come quarter day.

If you free lance or run a small business, budgeting may be the hardest think you do.  Who knows, in this economy, how much you’ll make this quarter, or how you’re going to pay the bills?

Quarterly payments invite us to fudge.

Get caught not having prepaid enough and you get  hit with penalties.

Get really behind, and it’s tax liens and levies.

Pay this year’s taxes monthly

My charge?  Add Uncle Sam to your list of creditors that you pay monthly.

Most creditors expect monthly payment:  the rent, the car payment, the credit card.  Add your estimated taxes to that list.

Income taxes are a cost of doing business.  No reason not to pay them as you go, just like the folks on salary do.

  • You avoid the need to set up a separate savings account in which to accumulate the taxes to be paid quarterly.
  • You resist the temptation to use those savings for some intervening crisis.
  • You escape the urge to make no provision “just this month”.

Making regular and smaller payments makes it easier to get the total bill paid in a manner that avoids penalties for not paying regularly.

Send your monthly income tax prepayment to the same place the quarterlies were headed.  Write on your check your Social Security number and “estimated 2017  tax liability”.

Take care of taxes monthly and you don’t find yourself in a tax hole come next April.

Here’s the IRS  on making estimated tax payments.

More on taxes

Unfiled taxes live forever

Dig out of payroll tax trouble

  Getting rid of tax liens

Find the mortgage interest deduction in Chapter 13

Image courtesy of Wikimedia.

Myth Of The Corporate Credit Card

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business credit cardAs far as myths go, the myth of the business credit card ranks right up there with  unicorns, Big Foot, and leprechauns .

Every struggling small business owner who crosses the threshold of my office believes that his corporate credit card is not a personal debt.

Wrong.

In 39 years of bankruptcy practice, I have never seen a credit card for which a living, breathing human being was not liable.  Not one.

The card may have the corporate business name on it.  Mine says  Cathleen Moran, Moran Law Group.  

But in fact, my corporation is not even jointly liable with me on that card.  It’s just me on the hook.

Which is scary given that these “business” cards are marketed as another form of business financing.  Their debt limits are easily five figures and many businesses have a drawer full of them.

The 23% business loan

What is insidious about business credit cards is their impact on the likelihood of a small business using them becoming profitable.

Just like the consumer credit card, business folks are conditioned to think they’re doing OK in business if they make regular payments on the 23% loan they have from Big Bank on the card.

But it takes a hell of a business to pay 23% for seed capital and make a profit.

Yet few business plans look at the cost of funds when assessing how they’re doing.

Business cards when business craters

There’s a perverse “benefit” to the fact the business isn’t liable for the credit card if the corporate business gets in financial trouble.  The card isn’t a debt of the corporation.

More times than I can count, the corporate business can continue on, assuming that there is a path forward, and the shareholder can file bankruptcy and ditch the credit card balance.

The corporation is a separate legal person and the bankruptcy of its shareholder doesn’t directly impact the corporation.  And it’s far easier and cheaper to reorganize the financial affairs of the shareholder in Chapter 13 than it is to reorganize a corporation in Chapter 11, the only form of bankruptcy that gets a corporation a discharge.

Now, the business has to have a plan for funding operations without the shareholder’s credit cards.  But, if we face the fact that the business doesn’t have to service that debt either going forward, the numbers may look different.

Seems there are two sides to every coin, and every card.

More

“B” is for business in my Bankruptcy Alphabet

How to sign the corporation’s name

Your business needs a prenup

Draft an enforceable contract without a lawyer

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Suite 403
Redwood City, CA 94063
Phone: (650) 694-4700

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