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Katherine Talks to Attorney Christine Kingston in an Interview on How to Prepare for the Next Recession

Interview

Katherine: Hello everyone. Thank you so much for joining us today on This Needs To Be Said. Our friend attorney, Christine Kingston, is here with us to talk about recession preparedness. Katherine: Now, preparedness, make sure I said the word right. You want to get yourself prepared for the next recession, and you want to […]

Filing Bankruptcy Without a Lawyer Can Cost You

Bankruptcy

Yes, you can file bankruptcy without a lawyer, but there’s a price to pay for everything. Here in the Central District of California, approximately 25% of all bankruptcy cases are filed Pro Se (without an attorney). Our bankruptcy court has online resources to help those without a lawyer to help with this issue.  I am […]

Private Loans For Unaccredited School Not Student Debt in Bankruptcy

Chapter 13, Chapter 7, Student Loans & Bankruptcy

I was just talking with a friend of mine the other day, Damon Day; and he was mentioning that he is seeing more and more folks all across the country, who have attended these unaccredited schools and carrying an enormous amount of student debt.  I mentioned to him that I’ve already been in the bankruptcy […]

Financial Freedom: How Much Will You Pay?

Assets, Bankruptcy, Bankruptcy Attorney, Debt, Expenses, Financial Freedom, Liabilities

You’ve heard the saying, “Nothing in life is free.” Getting out of debt has its price too.  First, it requires that you “get real” about your current financial condition.  In order to get the reality of your finances you’ll need to know four things: Assets, Liabilities, Income and Expenses for the household.  Denial over the […]

Open Letter to President-Elect Trump

Bankruptcy, Bankruptcy Law Overview, Donald Trump, President Elect Trump, President Trump, Student Loans

Dear President-Elect Trump, As you prepare to step from one ivory tower to the next, keep in mind, the hundreds of millions of Americans that have had their jobs shipped out of the country; their education has turned into profit machines for banks and the schools that push costly student loans; and the turmoil around […]

Getting From Point A to Point B With Money

Chapter 13, Chapter 7, Debt Collections, Exemptions, Family Law and Bankruptcy, Student Loans & Bankruptcy

Taking a trip is exciting. You have a staring place [“Point A”] and a destination [“Point B”]. Along the way, is the “journey.” Getting from Point A to Point B is simple when it’s a road trip because we look at a map, or nowadays, we’ll just plug in our destination into our GPS system, […]

Debt Jubilee Brings End To Debt Threats

Avoid Liens, Chapter 13, Student Loans & Bankruptcy

In today’s Los Angeles Times, Tom Petruno’s (@tpetruno) article entitled, Debt Threat Looms, again, he warns us of inevitable business cycles and where the economy is headed. You see, in order for the economy to move full steam ahead, we need to continue to spend money. The problem with that concept is that we’re so […]

Mortgage Forensic Loan Audits Scam Alert

Bankruptcy Law Overview, Chapter 13, Foreclosure, Modifications

California’s mortgage crisis is out of control. The sub-prime lending didn’t end until late 2007 and into early 2008 when the economy collapsed. What further frustrates our sunshine state’s mortgage problems is that we were sold Jumbo loans due to our high property values. A Jumbo loan is a mortgage loan in an amount above […]

New and Improved Student Loan Bankruptcy Discharge

Chapter 7, Fair Debt Collections Practices, Student Loans & Bankruptcy

Getting rid of those pesky, overwhelming student loans in bankruptcy just got a bit easier, thanks to a case in which an attorney won a bid to shed $250,000 in student debt. The case is In re Barrett, No. 14-43516; Barrett v. U.S. Department of Education Direct Loan Servicing Center et al., Adv. No. 14-4161, […]

Let’s Make A Deal; Debt Collectors!

Chapter 13, Chapter 7, Debt Collections, Fair Debt Collections Practices

Today we’re going to play a game that I love.  Negotiations with debt collectors! Also known as debt settlement. In the recent Los Angeles Times article, Making a Deal with Debt Collectors, by Liz Weston, she provides such a shallow and generic approach that I am immediately propelled into blog writing mode.  This article is […]

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