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Family Law and Bankruptcy

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, […]

Pros & Cons: Married Filing Separately

Chapter 13, Chapter 7, Family Law and Bankruptcy

If you are married and considering Chapter 7 or Chapter 13 bankruptcy, you have additional issues to think about. To start, you’ll have to decide which option works best for you: filing a joint bankruptcy or an individual bankruptcy petition. For most couples, joint bankruptcy will protect more of your property and discharge more debts. […]

Retirement Planning Through Bankruptcy

Chapter 13, Chapter 7, Estate Planning & Bankruptcy, Family Law and Bankruptcy

My husband is at it again; writing blog articles for me that is. Here are his thoughts on retirement planning and bankrutpcy: It surprises me that many people are not as concerned as retirement as I am. I guess my “normal” is just not quite aligned with other people’s “normal”.  I recently heard of a […]

Pros and Cons of Bankruptcy as Debt Relief

Chapter 13, Chapter 7, Estate Planning & Bankruptcy, Family Law and Bankruptcy, Student Loans & Bankruptcy

No one wants to file for bankruptcy.  I know it and so do you.  I read the scathing comments about good people who struggle with debt and their perceived “moral” obligation to repay their debts.  I also enjoy watching Jimmy Fallon (@jimmyfallon) and his humorous Pros and Cons segement each week.  So, here are my […]

Filing bankruptcy helps with creditors

Automatic Stay, Bankruptcy & Civil Litigation, Chapter 13, Chapter 7, Family Law and Bankruptcy, Medical Debt & Bankruptcy, Payday Loans and Bankruptcy

There are many ways that filing for bankruptcy protection can help with creditors whether you file under Chapter 7 or Chapter 13 of the Bankrutpcy Code. After you have prepared and filed your bankruptcy paperwork, the court clerk will notify all of your creditors of your bankruptcy filing and inform them that they may no […]

The Secret Trick To Getting Out of Debt

Chapter 13, Chapter 7, Debt Collections, Fair Credit Reporting, Fair Debt Collections Practices, Family Law and Bankruptcy

Are you caught up in a vicious debt cycle that feels like it will never end?  Have you considered payday loans or already have one? Are you overwhelmed by all the so-called “help” on the internet about getting out of debt? The real secret to getting and staying out of debt requires a permanent change […]

When Life Gives You Lemons: OC Edition

Chapter 11, Chapter 7, Family Law and Bankruptcy, Foreclosure, Modifications, Short Sales

From religion to politics; housing, transportation and food, the epic failures of the economic recession have delivered some real big lemons to the OC [Orange County]. No sector of the economy was left untouched and so many lives have been impacted in this recent wave of sour fruit. In July, the OC Metro Magazine’s (@OCMetro) […]

The Curse Of The Red Queen

Bankruptcy Law Overview, Debt Collections, Family Law and Bankruptcy

Are you really in control of your financial future?  Every turn the economy takes, anywhere on the planet, changes your financial future.  The game is always changing; it’s evolutionary.  There’s an evolutionary paradox called the curse of the Red Queen that states, “What worked yesterday is unlikely to work today.” Another way to put it […]

Get a Free Ride Through Bankruptcy When Your Spouse Files Alone

Family Law and Bankruptcy

Here’s the case: A debtor’s discharge in bankruptcy would not do her much good if her prepetition creditors could still garnish her wages to pay their claims. The creditor in this case has a creative theory for doing just that: he argues that her discharge did not affect his claim against her husband, that her […]

Am I Liable For My Spouse’s Debts?

Chapter 13, Chapter 7, Discharge Injunction, Family Law and Bankruptcy

     Chances are the answer is going to be a YES. The relationship between married persons and creditors is separated by individual or joint debt. Individuals are personally liable for their debts and may be jointly liable with others for their debts. See Division 9 of the Code of Civil Procedure; CCP Section 680.010 et […]