DMPs can still harm your credit score It seems logical that if you are making an effort to pay off your debts that this could only help your credit score, but this is not always the case.  While just signing up for a DMP in and of itself may not harm your credit score, your  Read More

Who is the average person who files for Chapter 7 or Chapter 13 bankruptcy protection? A lot of people who are considering bankruptcy feel a great deal of shame, guilt, and embarrassment. Some people believe that the stereotypical bankruptcy filer is someone who is lazy and dishonest.  Some people believe that they brought the situation  Read More

Bankruptcy Lawyer in Sacramento serving Roseville discusses employment-related questions often asked prior to filing a Chapter 7 or Chapter 13 bankruptcy Can I be fired for filing bankruptcy? No. All employers whether government or private are prohibited by federal law from firing employees whose bankruptcy becomes known to them while you are working for them.   Read More

Don’t Believe Just Any Story About Employment Troubles after Completing a Chapter 7 or Chapter 13 Bankruptcy Bankruptcy filers often have concerns about how their case might affect either their current employment or their ability to look for a new job.  While section 525 of the bankruptcy code offers several protections against employer discrimination based  Read More

Sacramento Bankruptcy Lawyer serving Cameron Park addresses two unfounded fears and one unreasonable expectation related to completing a Chapter 7 or Chapter 13 bankruptcy Simply put – here are three myths about bankruptcy: 1)    I’ll lose everything 2)    All debts are wiped out Maybe you’ve heard one or more of these bankruptcy myths and misinformation  Read More

Bankruptcy is often thought of in either one of two extremes:  some people imagine that they will lose absolutely everything if they declare bankruptcy, while other individuals consider bankruptcy to be a “get out of debt free card.”  In truth, the typical Chapter 7 or Chapter 13 bankruptcy to resolve an individual’s consumer debt involves  Read More

Sacramento Bankruptcy Attorney serving Mather discusses how bankruptcy myths are promoted by celebrities’ lifestyles, and reminds that a Chapter 7 or a Chapter 13 bankruptcy starts a legal process intended to protect ordinary people who face unmanageable debts When you read about the rich and famous people who filed bankruptcy, these articles do give a  Read More

There are numerous myths and misconceptions about bankruptcy and some are related, in one way or another, to excess. This includes excess in terms of debt forgiveness, spending, and other areas. As a bankruptcy lawyer in the San Francisco Bay Area, I often hear these specific questions or concerns. All debt is forgiven when I  Read More

In the past in this blog, I’ve addressed certain myths and misconceptions that I find many of my clients, including those in the Santa Clara Bay area, have regarding bankruptcy. In this article, I outline what bankruptcy simply cannot do. I’ve found in my practice as a bankruptcy lawyer that the thing debtors need to  Read More

I find that when I meet with people in an initial consultation in my San Francisco office that many have questions and concerns regarding their filing. As a bankruptcy lawyer I often hear the same questions from a range of clients who have been misinformed or who are simply fearful about bankruptcy. Here are a  Read More