Sorry for the Meghan Trainor reference there, but it’s true. The Associated press reports that the country is facing an epidemic of unscrupulous debt collectors willing to pose as law enforcement and threaten arrest to squeeze dollars out of Americans, a top prosecutor said as he announced the arrests of seven people who worked for […]
Actually, I’ll talk about the best bankruptcy consultation ever in a future post, but this is about how to get the most out of your free bankruptcy consultation. Most bankruptcy attorneys offer potential clients a free consultation. Although these meetings vary from lawyer to lawyer, when yo meet with me, I review your financial situation, discuss […]
Ah, the single most often-asked question I have heard over the last 15+ years… I know for a fact that some people think I’m just being avoidant when I reply, “Well, it depends.” For some people, price is everything. I completely understand that, especially when a potential client has spent so much time being focussed […]
If I’ve heard it once, I’ve heard it a hundred times: “The payday loan place said I can’t file bankruptcy on them!” Well, like many other “truths” told by collectors to people considering bankruptcy, that’s just not true. You can discharge payday loans in bankruptcy. I consider payday loan places an evil scourge, but that’s […]
Many clients are worried that filing for bankruptcy will affect their immigration status. Bankruptcy does NOT affect immigration status. Every American has a right to file for bankruptcy. That right is enshrined in the Constitution of the United States. America is a country dedicated to giving people a “fresh start” through the bankruptcy process. A […]
What drives many clients to my Bakersfield and Temecula bankruptcy offices is the constant harassment of debt collectors — daily phone calls, collection letters, contact at work and home, etc. In fact, I would say that the annoyance of dealing with constant creditor/collector contact is a major factor in motivating my clients to pick up […]
As a Bakersfield and Temecula bankruptcy attorney I sometimes meet with prospective married clients who seek to file Chapter 7 bankruptcy individually. Initially I have to bring to their attention that despite their request to file on their own, their spouse’s income has to be taken into consideration to determine their ability to file both […]
It’s begun. With crude oil prices hovering around $40/barrel, local oil producers are finding it difficult to extract Kern oil at the cost necessary to to be able to sell the oil on the open market at a profit. This means that local Bakersfield oil companies have begun oilfield layoffs. And even some large producers […]
Wage garnishments can have a devastating impact on one’s life resulting in loss of substantial income and can sometimes come out of nowhere when you are not prepared for it. One of the only ways to stop a garnishment once it has begun is to have a local Bakersfield bankruptcy lawyer file your case. When a bankruptcy is […]
A reaffirmation agreement (agreement to pay back), in bankruptcy terms, is an agreement between the debtor and creditor that waives the discharge of the debt that would have otherwise been discharged in the bankruptcy. 11 USC Section 524 is the bankruptcy code section where reaffirmation is found. Reaffirmation agreements are voluntary. Typically, a reaffirmation agreement […]
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