BANKRUPTCY LAWYERS HELPING YOU GET A FRESH START
Open
X

Archive for the 'Uncategorized' Category

What to Do Right Now: Prioritize and Protect Yourself

Posted on August 15th, 2013 · Posted in Uncategorized

WHICH BILLS YOU SHOULD PAY FIRST If you can’t afford to pay all your bills, you need to decide which bills you will pay. Choosing which bills to pay can.. read more

State Laws

Posted on August 1st, 2013 · Posted in Uncategorized

Laws come from two places.  The first is the legislative bodies that enact statutes.   Almost every state has a statute dealing with creditor and debt collector abuse.  Although these vary.. read more

Bankruptcy Judges

Posted on October 22nd, 2012 · Posted in Uncategorized

Bankruptcy trials have many different individuals that contribute to the process.  Although the judge acts like a referee, your bankruptcy attorney in Fair Oaks is the only one that is.. read more

Different Kinds of Liens

Posted on October 22nd, 2012 · Posted in Uncategorized

There are different kinds of liens such as mortgage liens, mechanic’s liens, judicial liens, and tax liens, but they all fall under one or the other of two categories—consensual or.. read more

Household Goods

Posted on October 22nd, 2012 · Posted in Uncategorized

Most states exempt household goods up to a specified dollar amount.  The federal Bankruptcy Code exemption for household goods exempts single items up to a value of $475 and all.. read more

Determining the Value of Your Stuff

Posted on October 22nd, 2012 · Posted in Uncategorized

After figuring out which set of exemption laws apply, you need to calculate how much your property is worth.  This calculation must be based not on the cost of replacing.. read more

Meeting Your Lawyer for the First Time

Posted on October 22nd, 2012 · Posted in Uncategorized

Bankruptcy lawyer Citrus Heights have different styles of practice and one isn’t necessarily better than the other.  Some handle a high volume of cases on an assembly line basis, relying heavily.. read more

Computing Your Income

Posted on October 22nd, 2012 · Posted in Uncategorized

When taking the median test, you first have to figure out your average monthly income during the six months preceding bankruptcy and multiply this number by 12 to see how.. read more

The Means Test

Posted on October 22nd, 2012 · Posted in Uncategorized

The Means Test, included in the Bankruptcy Abuse Reform Act, or “BARF”, is a formula that determines whether you can really afford to cough up some cash for your creditors. .. read more

Fair Credit Reporting Act

Posted on October 22nd, 2012 · Posted in Uncategorized

Counterintuitive as it may sound, bankruptcy is frequently the first step on the road to credit repair.  The federal Fair Credit Reporting Act with the Fair and Accurate Credit Transactions.. read more