What should you do if you’re underwater on your mortgage and you are considering a Chapter 7 or Chapter 13 bankruptcy?  The term “underwater home” refers to houses that have lost so much market value that they are now worth less than the outstanding balance on the home mortgages.  In many cases, a bankruptcy may  Read More

Should Congress Include Home Mortgage Cram-down in a Chapter 13 Bankruptcy? Some economy analysts suggest that our slower-than-predicted attempts to recover from this “Great Recession” is due to the fact our economy is caught in a Catch-22 cycle.  That means individually and collectively we’re caught in a vicious circle of uncontrollable causes and their inevitable  Read More

Bankruptcy Lawyer Sacramento serving talks about the chances of losing rental property after a Chapter 7 or Chapter 13 Bankruptcy. When the housing market was booming, many people chose to invest in rental property as an investment.  Now that a lot of families are facing bankruptcy, debtors often wonder if they will be able to  Read More

Bankruptcy Attorney Sacramento serving Rocklin discusses four reasons why homeowners choose the legal protection of filing a Chapter 13 bankruptcy in order to save their home from foreclosure The good news:  yes, there’s a quick way you can become current on delinquent mortgage and save your home.  It’s called a Chapter 13 debt reorganization plan.   Read More

Sacramento Bankruptcy Attorney serving Greenhaven discusses how to evaluate your best options for saving your home with a Chapter 7 or Chapter 13 bankruptcy. Saving a home from foreclosure is one of the most common reasons for homeowners to file bankruptcy. Here are seven factors to consider as you evaluate your best options for saving  Read More

Rancho Cordova Client is a Good Example of What You Can Do In California, so many people seem overwhelmed by the faltering economy, bankruptcies, foreclosures and job losses. Although as a bankruptcy attorney I often write about what people should do when faced with debt that is crushing them, I find that many clients who  Read More

Bankruptcy Lawyer in Sacramento Offers Advice If you’re filing for bankruptcy, you may be wondering what’s the next step? A client from Elk Grove recently asked me this question when we were meeting in my Sacramento law office. What you want your next step to be is to find economic security and financial freedom. How?  Read More

With the burgeoning foreclosure and personal bankruptcy statistics and mounting personal financial pressure, a consultation I had with an individual from Rancho Cordova reflected the mindset of so many people who come to see me. Had a Bad Run I was reading an article recently on CNN.com that noted that many people who had taken  Read More

Bankruptcy and Keeping Your Home Keeping Your Home from an Oakland Bankruptcy Lawyer In our Oakland Bay Area law office the other day a client who was considering bankruptcy wanted to ensure that he could keep his home. There was good news for this client. He had kept up his mortgage payments unlike, as I  Read More

Which is better if you own a home—Chapter 7 or Chapter 13 Bankruptcy? In my role as a bankruptcy lawyer in the San Francisco Bay area, most people who own a home are concerned about making sure that they keep it. Many people discover that when they file a bankruptcy petition, they can retain their  Read More