Sacramento Bankruptcy Attorney serving Folsom spells out the details of paying high interest loans which often become part of overwhelming debt requiring debt relief through a Chapter 7 or Chapter 13 bankruptcy The offer seems simple:  a way to obtain a quick cash loan with a promise to pay principal and interest by a certain  Read More

Sacramento Bankruptcy Lawyer serving Rescue discusses debt relief strategies that may backfire unless it is affordable and maintained by the court such as in a Chapter 13 bankruptcy Debt relief under a Chapter 13 bankruptcy has advantages that can make it the optimum choice, sometimes even a better way to handle overwhelming debt than a  Read More

By completing a Chapter 7 or Chapter 13 bankruptcy you’ve regained power to manage your debts.  Bankruptcy has given you options you never had when you were trying to deal with creditors one at a time and by yourself. But, as you are well aware from completing the required financial education courses, there are still  Read More

Sacramento Bankruptcy Lawyer serving Lincoln points out how a good strategy can defeat confusing emotions regarding filing Chapter 7 or a Chapter 13 bankruptcy I would say that someone is trapped by “unmanageable debt” after being unable to pay their credit card bills for the past six months.   Someone like this might consider filing a  Read More

Sacramento Bankruptcy Attorney serving Citrus Heights and North Highlands provides links to the US Trustee Department for official details of credit counseling and debtor education courses you’ll need to complete a Chapter 7 or Chapter 13 bankruptcy Looking for an approved credit counseling agency for pre-bankruptcy filing?  The US Trustee Department website will link you  Read More

Sacramento Bankruptcy Attorney serving Citrus Heights and North Highlands, gives the word by word text of what the Federal Trade Commission says about filing a Chapter 7 or Chapter 13 bankruptcy Ever wonder who to trust when you’re doing online research trying to get a basic picture of the differences between a Chapter 7 or  Read More

Sacramento Bankruptcy Attorney serving Mather speaks about bankruptcy as a necessary step in achieving goals after completion of a Chapter 7 or Chapter 13 bankruptcy. Recently I heard this story about a man who had to liquidate a three million dollar home as part of his bankruptcy, yet he wanted the trustee to allow him  Read More

Sacramento Bankruptcy Attorney serving Citrus Heights discusses types of debt which may and may not be discharged under Chapter 7 or Chapter 13 bankruptcy When evaluating how bankruptcy may provide relief from debt, one first step is to consider the type of debts you have.  Whether you file Chapter 7 or Chapter 13 bankruptcy, there are  Read More

Lien Stripping is a legal process of eliminating second and third mortgages and home equity lines of credit on homes that have depreciated in value. If you are facing the danger of foreclosure, the concept of lien stripping may be a way for you to keep your home and prevent foreclosure, as it gives you  Read More

Sacramento Bankruptcy Attorney serving Elk Grove discusses how to stop creditor lawsuits and garnishments under the Chapter 7 provisions for eliminating debt From the moment you file any bankruptcy petition with the court, the law provides for an “automatic stay,” a legal process prohibiting creditors from beginning or continuing collection attempts.  Specifically, your creditors are made  Read More