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Getting Excused From Bankruptcy’s Means Test
You can get a pass on the means test without claiming your dog ate your homework. It’s right there in the Bankruptcy Code. If your debt is not “primarily consumer debt”, you don’t have to pass the...
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Can Your Lender Account For Your Payments
You’ve got a lot to keep an eye on. You probably regularly check the performance of your stocks. Your blood pressure. Your credit report. Your bank balance. Your team’s standings. Yet chances are,...
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Stay At Home Doesn’t Mean Get Left Behind At Retirement
Just because you don’t work outside the home doesn’t mean you can live on nothing in your old age. If you are married and your spouse has qualifying income, you can contribute to a spousal IRA. And...
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Old Tax Liability Discharged In Bankruptcy, If….
Discharging tax debt in bankruptcy gets lots of families out of a horrible hole. The tax debt is large, swelled by interest and penalties. Collection often compromised their ability to stay current on...
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Your Creditors Lie In Wait For Your Kids
Is your legacy to your kids an encounter with your unpaid creditors? Debt problems for those over 65 may not be problems for the elder at all. Income and assets are largely protected by law from...
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How Avoiding Probate Ended Up In Bankruptcy
Do it yourself seems so industrious and self reliant. And we’ve been bombarded with books, speeches and courses on the evils of probate. The transfer of bank accounts or title to property intended to...
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Get Annual Credit Report For Free
When is FREE not FREE? In a world seemingly driven in all matters by credit reports, getting that report for nothing ought to be a good thing, But the commercial entities beat the federal government to...
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Is A Free Bankruptcy Consultation Worth It?
No matter how much they’ve spent on other stuff, those shopping for a bankruptcy lawyer seem to expect a free consultation. “Everyone else offers a free consultation” I’m told. Not me: I don’t do...
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What’s Your Retirement Theme Song?
Why does April tax season put me in mind of September Song ? Oh, the days dwindle down, to a precious few…. A precious few days to make your contribution to tax advantaged retirement accounts. Or, do...
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Financial Literacy Building Block: Compound Interest
Albert Einstein said compound interest is the 8th wonder of the world. Those who understand it, earn it. He who doesn’t, pays it. In other word, it’s a double edged sword. Terrific if you’re...
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Your Lifetime is Forever: Financial Literacy Building Block
The financially literate manage their money for the long haul. In a world of biweekly paychecks and monthly billing cycles, it’s easy to let your perspective shrink to 30 day increments. Mortgages are...
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10 Must-Know Things About Money Judgments
What does it mean when a judgment is entered against you? Here are 10 critical things you need to know about judgments. Judgment picks a winner in a civil lawsuit. A judgment picks the winner in a...
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Six Rotten Excuses Not To File Bankruptcy
I am not a bankruptcy attorney. I never have been. I am a mortgage law attorney. But in the current financial climate, I see clients in my office daily who desperately need to file bankruptcy…And...
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Bankruptcy alternatives are costly
Bankruptcy alternatives often suck. The story of one customer of a debt settlement company sticks with me. Using the “services” of this company, the poster now has six judgments of record and two...
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Dividing Debts At Divorce: What You Need To Know
The division of the debts of a failed marriage, however carefully crafted at divorce, can be utterly destroyed if one of the former spouses files a Chapter 13 bankruptcy. A Chapter 13 discharge is...
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Pay Your Debts Or Go To Jail?
What would you do if you got a tip there was an arrest warrant out because you hadn’t paid one of your bills? Scrape up the money any way you can? Get out of town? Laugh? The right answer is “laugh”....
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New Law Protects Californians From Debt Buyers
Zombie debt may have met its match. New California law prohibits a debt buyer from bringing suit on a claim that is barred by the statute of limitations, effective January 1, 2014. Civil Code §...
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Getting Excused From Bankruptcy’s Means Test
You can get a pass on the means test without claiming your dog ate your homework. If your debt is not “primarily consumer debt”, you don’t have to pass the means test to file bankruptcy. So, you need...
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When Giving Isn’t Good
It isn’t often that the local newspaper helps explain basic bankruptcy concepts. But this story illustrates the law of fraudulent transfers. A local woman is being sued by San Mateo County for making...
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Financial Literacy Building Block: Compound Interest
Albert Einstein said compound interest is the 8th wonder of the world. Those who understand it, earn it. He who doesn’t, pays it. In other word, it’s a double edged sword. Terrific if you’re...
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