Now a major California city (Stockton, population 285,966) reports it has asked for counseling about how to handle its financial dilemma. Problem:  Not enough money to pay bills. It was described as looming “insolvency” – the headline from the LA Times gave the specifics as: “Stockton council weighs plan to forestall city’s insolvency.” There’s always  Read More

As part of your bankruptcy, you’ll attend a hearing often referred to as the “341 Meeting,” given that name because it refers to that particular section of the Bankruptcy Code where its procedures are described in detail. 1.     What Is the Difference Between a Bankruptcy Hearing and a 341 Meeting of Creditors? Nothing – they  Read More

To gain the maximum benefits of filing a Chapter 7 or Chapter 13 bankruptcy, begin now and learn about your rights to a fresh start so you can act quickly Only you know the details of your daily life –whether your efforts to earn money, pay expenses, and save for future expenses are reasonable and  Read More

MEMO TO:  Anyone Who Reads About Celebrity Bankruptcies FROM: Your Bankruptcy Help Team RE: The facts of ordinary Chapter 7 or Chapter 13 bankruptcies are vastly different than the sensational (and, to you) fantasy life of celebrities with millions in assets and with creditors owed millions of dollars Q:  What do these headlines have in  Read More

Sacramento Bankruptcy Attorney serving Roseville discusses what is meant by term “judgment proof” and how it relates to filing a Chapter 7 or Chapter 13 Bankruptcy. When people are considering bankruptcy as an option to overwhelming debt, they often wonder about whether being “judgment proof” applies to them and how it relates to the decision  Read More

Bankruptcy Attorney Sacramento serving Antelope discusses how alternative debt relief compares to a Chapter 7 or Chapter 13 bankruptcy Many debtors often wonder if unmanageable debt can be handled without bankruptcy.  Since it is such a good idea to check out the facts about alternatives to bankruptcy, there’s a pre-bankruptcy education course that is required  Read More

Will My Chapter 7 or Chapter 13 Bankruptcy Affect My Immigration Status? Taking control of your out-of-control debt can be stressful, but having to be concerned about whether filing for bankruptcy can affect your immigration status can be doubly worrying. Fortunately, the bankruptcy code protects non-citizens as effectively as it does for U.S. Citizens. Here  Read More