Can I Leave Some Debts Out of My Bankruptcy? In a word, NO. Everyone who asks the bankruptcy court for relief makes a deal with the Court. She exchanges something for the very powerful relief offered by the Court. She agrees to bare her (his, their) financial soul to the Court, play by the Court’s […]

Bankruptcy vs Debt Consolidation The Difference Really Does Matter We’ve all heard the drive-time radio ads for debt consolidation. The hook is always the same: “Avoid bankruptcy!!” Because these firms know that fear of bankruptcy is the most powerful tool they have. If only the audience knew how deceptive the sales pitch can be. My […]

What Factors Determine Whether I Must Appear Before the Bankruptcy Court Judge? Court appearances are fairly rare in most bankruptcy cases. But whether you must face a judge depends partly on which Chapter your cased is filed under. It also depends on whether you are reaffirming a debt. It can also depend on what your […]

Can I Change From A Chapter 7 To A Chapter 13 Bankruptcy? Can I Change From A Chapter 7 to a Chapter 13 Bankruptcy? The short answer is yes. A better question might be “Why Would I…?” If your attorney files your case as a Chapter 7, there are a couple of reasons to switch […]

How Hard Will It Be to Rent an Apartment or House After I file Bankruptcy? Many people delay filing bankruptcy out of fear that they will quite literally be unable to keep a roof over their heads. Some avoid bankruptcy altogether as a result of those fears. So let’s talk about whether those fears are […]

Can I File Bankruptcy 2 Times? Can I file bankruptcy twice? The general rule is that one can only file a Chapter 7 once during any eight year period. So long as the person filing hasn’t filed in the previous eight years (for Chapter 7, anyway.), he/she/they may file for Ch. 7. For Chapter 13 […]

  Bankruptcy Costs How much are bankruptcy costs? Many people who call our  San Diego bankruptcy office will ask us about bankruptcy costs before they even have been set up to meet. They see bankruptcy lawyer after bankruptcy lawyer telling how much less expensive their bankruptcy cost is compared to the next bankruptcy lawyer. It […]

What debt can’t you clear in bankruptcy

Can creditors stop my bankruptcy? It’s pretty difficult for a creditor and rare  to stand in the way of someone getting through a bankruptcy and getting a discharge. But creditors aren’t always completely out of luck when a customer / borrower files bankruptcy. There are several things a creditor may do to make the best out of […]

Security clearance and Bankruptcy Will I lose my security clearance if I file bankruptcy?   Most of the people that I see in San Diego are people like you and me who have fallen upon bad times – not gamblers, shopaholic, or otherwise crazy spenders. They have jobs and many times they own homes. Things […]

Can I Keep My Bankruptcy A Secret?

Is bankruptcy a public record in San Diego? Filing for bankruptcy is a matter of public record. So the idea that you can keep bankruptcy secret isn’t really true. It is something that you really have to look for to find out about. Who files bankruptcy in San Diego is not easily accessible knowledge. It is […]

What Is A Discharge? When Does It Happen In Bankruptcy? Bankruptcy discharge basically is the vanishing of all the dischargeable debt that someone brings into the bankruptcy case. It is as if that debt and all the emotional baggage had never happened.  The creditor then cannot call, send demand letters, report nonpayment of the debt […]

  Bankruptcy Help In San Diego Getting bankruptcy help: Considering bankruptcy? no one wants to… “Capitalism without bankruptcy is like Christianity without hell.” Are creditors constantly calling you? Does the thought of opening your mail stress you out? Are you worried that utilities may be shut off or your car repossessed? Do you lie awake […]

What Can I Do If My Creditors Are Still Bothering Me?

   Bankruptcy exemptions or What do you keep if you file bankruptcy? “Exemptions” are laws that define what property you can keep when you file bankruptcy. All assets will fall into one of the two categories: exempt or unexempt. You want all – or as much as possible – of your assets to be defined […]

  What is bankruptcy means testing?   Bankruptcy means testing is a mathematical formula used by bankruptcy attorneys to determine what type of bankruptcy relief a debtor can receive. Means testing was created by congress with the help of the credit card lobby to prevent bankruptcy abuse. The most likely mistake potential bankruptcy clients make […]

Student loans and Credit Cards Student tuitions that are charged by credit cards are dischargeable in bankruptcy  If you have found yourself overwhelmed by your student loans you might wonder if you can discharge any student loan debt in bankruptcy. There is some student debt that is dischargeable in bankruptcy Student expenses like tuition and […]

Can bankruptcy stop foreclosure? One of the most difficult and traumatic challenges that a person can face is the prospect of foreclosure. A person’s home normally is the center of life. The idea that one’s home might be taken away from him or she can be a most bitter pill to swallow. Considering bankruptcy is […]

Can I Keep My Home(s) In Bankruptcy

  Small Business owner filing Personal bankruptcy Will My Small Business Be Affected by my Personal Bankruptcy? Does your personal bankruptcy affect your corporation? Probably, we should talk about how most of us who operate small businesses get credit for our corporations. And that’s by personally guaranteeing the debt. Any small business owner or operator […]

What Is An Automatic Stay? “Bankruptcy represents a longstanding commitment in this country to helping people get a fresh start. This principle has never been giving only certain people a fresh start.”– Tim Johnson For the person having financial trouble, there’s a constant loss of money. As each month passes, they tend to fall farther […]

  Can I Stop My Bankruptcy Once I Have Started It? There are debtors who change their minds after filing bankruptcy. They will ask their bankruptcy attorney if they can cancel or stop their bankruptcy filings. Particularly, after whatever emergency that precipitated the bankruptcy has been averted like foreclosure or a lawsuit.In Chapter 13, the […]

Will I Face My Bankruptcy Creditors? Will my creditors come to the court if I file bankruptcy? What many of my bankruptcy clients worry about is that their bankruptcy creditors will be at the banker’s meeting if they file bankruptcy in San Diego and it will be embarrassing for them. The good news is, bankruptcy […]

  Bankruptcy when married What happens if you file bankruptcy when married ? If only one spouse is in debt or in need of bankruptcy relief, only that spouse should file. It may seem obvious, but there’s generally no reason to torpedo both the filing and the nonfiling spouse’s credit score unless there is a reason.   […]

Will My Employer Know If I File Bankruptcy If I file Bankruptcy can I lose my job Clients often ask whether their job may be in danger if they file bankruptcy and / or whether the employer will know if I file bankruptcy. The short answer is generally no. In fact, usually the fact that you […]