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You can discharge (get rid of) attorney fee debts in bankruptcy.  Betty (not her real name) had racked up substantial divorce attorney fees that she could not afford to pay, and she came to see me about filing bankruptcy.  But Betty was afraid that even with bankruptcy she’d still have to pay her divorce attorney fees.  […]

There are several myths about bankruptcy that I will debunk here.  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 […]

You need to report all of your cash income on your tax returns in order to avoid being denied a loan modification due to lack of income.  I have recently had two clients who earned cash and didn’t report this income on their tax returns.  One client was denied a loan modification because of this.  […]

Have you gotten over your head in credit card debt? If so, bankruptcy might be the solution for you. You can eliminate your credit card debts with a chapter 7 bankruptcy without paying anything for those debts. Many people are solicited for credit cards as soon as they turn 18 years old. At that age, most […]

Filing bankruptcy can eliminate old taxes.  It’s that time again when we all have to settle up with the IRS and the California Franchise Tax Board (FTB).  If you owe the IRS or FTB debts for old taxes, you can eliminate those debts with a chapter 7 or chapter 13 bankruptcy. Taxes that can be […]

If you are in bankruptcy and are also in an Income Driven repayment plan for your student loans, you might have a problem.  The Department of Education and its student loan servicers are kicking bankruptcy debtors out of their Income Driven repayment plans once they file chapter 7 or chapter 13 bankruptcy.  My position and that […]

Do you need bankruptcy protection to save your home from foreclosure?  Trying to do this yourself can cause major problems for you; hire a competent bankruptcy attorney to get you the help that you need to save your home. I recently saw got a man I’ll call Fred whose home was about to be foreclosed by Wells Fargo the following […]

Do you need a loan modification in order to lower your mortgage payments so that you can save your house from foreclosure, but think you can’t get one now because the federal HAMP loan modification program ended over a year ago?  Well, you’re in luck!  You may still be able to get a loan mod to save your house, and […]

You can consolidate your debts and probably lower your total debt payments, like credit card and medical debts, with a chapter 13 bankruptcy.  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 […]

A loan modification can be the answer to your mortgage payment problems.  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 may be your only chance to save […]