Sacramento Bankruptcy Attorney serving Elk Grove say consumer bankruptcy is not necessarily more difficult since the 2005 “New Bankruptcy” Act, but there are a few differences to know before choosing between Chapter 7 or Chapter 13 bankruptcy relief Even though it’s going to be six years this October, people still ask about the “new bankruptcy” law  Read More

Sacramento Bankruptcy Attorney serving Citrus Heights says consumer bankruptcy is not necessarily more difficult since the 2005 “New Bankruptcy” act, but only different details to address before filing for Chapter 7 or Chapter 13 bankruptcy relief Yes, the major changes in bankruptcy laws since 2005 had practical effects on those considering filing for bankruptcy, but that  Read More

As a bankruptcy attorney serving Fair Oaks Sacramento, clients often ask me: What is the worst that can happen to me, when I file for bankruptcy? Aside from criminal prosecution for bankruptcy fraud, the worst-case scenario in bankruptcy is a denial of discharge. This occurs, if the client has not been fully honest about what  Read More

Sacramento Bankruptcy Attorney serving Rancho Cordova further explains what is a “Reaffirmation Agreement” linking to information posted online by U.S. Bankrutpcy Court In a prior posts in this series, we discussed basic issues in choosing the type of bankruptcy to file and what debts can/cannot be written off by bankruptcy. And we provided the full  Read More

Sacramento Bankruptcy Attorney serving

In Part 1 we discussed four common reasons people procrastinate.  And we noted that procrastination [the art and science of delaying getting things done] may be freezing your decision to complete the bankruptcy process.  Yes, even though you’re sure bankruptcy is the best way to manage your out of control debt, you may be (for  Read More