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If you have serious financial problems, there is a very good chance that bankruptcy would be your best solution. But many people are afraid to file bankruptcy because they think it would ruin their credit or that it’s just for deadbeats. These myths are simply not true. If you are in serious financial trouble, your […]

If you need help because you can’t afford to pay your student loans, contact a competent a student loan attorney in order to avoid getting ripped off by a debt relief scam.  There are many scams that pretend to be able to help you with student loans.  Some of these scams even claim that they […]

You can now discharge (get rid of) all HOA debt for property you surrender in chapter 13 bankruptcy if you live in California.  The 9th Circuit has just ruled that contrary to previous lower court rulings in our area, all HOA dues are discharged in bankruptcy for people who surrender their property in chapter 13.   Goudelock […]

Many, if not most, people who have serious financial problems are embarrassed by those problems, but they are even more embarrassed by considering bankruptcy as a solution.  However, you should not be embarrassed by using bankruptcy to fix your financial problems. It is completely understandable that you are embarrassed because you can’t pay your debts, […]

When a married person consults with me as a bankruptcy attorney, sometimes they want to file bankruptcy under their name alone. They do not want to file with their spouse or include their spouse’s income. A common example is a second marriage where the person consulting with me has debt from a prior marriage that […]

If you have serious financial problems, there is a very good chance that bankruptcy would be your best solution. But many people are afraid to file bankruptcy because they think it would ruin their credit or that it’s just for deadbeats. These myths are simply not true. If you are in serious financial trouble, your […]

You can lower your total debt payments, like credit card and medical debts, by consolidating your debts.  There are many debt consolidation companies, and a lot of them will rip you off.  However, you can use chapter 13 bankruptcy as a debt consolidation without the fear of being ripped off by a dishonest company.  As an added bonus, you can […]

Are you thinking of filing bankruptcy to get out of debt but afraid that doing so might affect your citizenship status?  While no one can make any guarantees about this, there is no question on the citizenship application about whether you have filed bankruptcy.  (The application does ask about paying your taxes.)  Therefore, filing bankruptcy […]

Are you unable to pay your mortgage because you can’t afford the payments, or because you’ve gotten behind on them and cannot afford to make them up while paying your mortgage?  If so, a loan modification can be the answer to your mortgage payment problems, and it might be the only way to save your home. However, […]

You may file bankruptcy without a lawyer, but doing so can be very financially dangerous.  Of course it is tempting for people in bad enough financial situations that they need to file bankruptcy to try to save money, but that savings must be weighed against the potential risks of making mistakes that could cost even more money. Awhile […]