CPR has its place when human life is involved. Human life is precious. But when what’s dying is the legal right to collect a debt? Not so fast. You don’t want to breathe new life into an old debt that is legally dead. Yet you can do that, unintentionally reviving a debt that is legally […]
What If You Ignore That Lawsuit Against You
How do you ignore a lawsuit and expect a good outcome? Yet twice in the past few months, individuals have come to me with judgments already entered against them. That’s not noteworthy; after all, I’m a bankruptcy lawyer. We deal with unpaid judgments. But both of these men explained the situation this way: the claims […]
Save The House Even AFTER The Foreclosure Sale
The fall of the hammer at the foreclosure sale threatened to leave my widowed client homeless and poorer by hundreds of thousands of dollars. Instead, we recovered her house from the foreclosure sale under new California law which delays the finality of the change of title. She had rights after foreclosure. The prompt filing of […]
Laboring Over Bankruptcy Papers
Why is filing bankruptcy so much work? Paper. Statements. Tax returns. Car contracts. Pay stubs. Appraisals. Title reports. Credit counseling. It gets tedious fast. So, why is bankruptcy so complicated? Do you want the polite, professional answer, or the pointed, political answer? Bankruptcy bargain Polite answer first: the bankruptcy bargain, your deal with the legal system […]
Considering Going Out Of Business?
When the virus shutdown is over, ailing businesses must consider whether to continue.
How Much Should You Pay To Get Out Of Debt?
Shop for a bankruptcy lawyer, and you’ll end up wondering what bankruptcy should cost. When you’re flat broke and under pressure, cheaper sure looks better. If a lawyer will do your Chapter 7 for $600, what’s the point of paying $1000? Or even $2000? Like answers to many legal questions, it depends. Bankruptcy relief depends on […]
Debt Can Kill You If You Let It
There is a straight-line connection between debt and health: the stress of too much debt erodes physical health. The single largest source of stress in the US, at least before COVID-19, is money. Or lack of money. Other potent sources of stress include work, the economy, family and relationships. As a bankrutpcy lawyer, I can’t […]
Your Right To Credit Reporting After Bankruptcy
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 credit. […]
Dumbest Thing For Those In Debt
The headline was compelling: The 5 Dumbest Things You Can Do If You Have Too Much Debt. I even liked the site’s name: How Life Works. That’s a tagline I’d like to use. I could make my own list of dumb ways to tackle debt, but better if someone else had already done it. Until […]
Is There Life After Bankruptcy?
Is bankruptcy worth it? If you see filing bankruptcy to get a fresh start as painful or less than honorable, you might wonder what life is like, on the other side of bankruptcy. What’s the return on taking the big step? I got a report from the other side this week from a Chapter 7 […]
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