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How Can I Stop Debt Collector Harrasment?

If you have fallen behind on credit card payments, mortgage payments, or other bills, you may be receiving phone calls from creditors and third party debt collectors. You may feel like these calls will never stop. However, Debtors have rights against creditors and debt collectors...

How Do I Keep My House After Filing for Bankruptcy?

Determining whether or not to file bankruptcy can be very challenging, particularly if you own a home. If you file for bankruptcy, you may be able to to keep your home. This depends on a number of factors (including the amount of equity in your home) and whether you file Chapter...

Orange County’s Rising Property Values and Bankruptcy

There is no dispute that real property values are on the rise nationwide.  Southern California, and Orange County in particular, are setting the pace for the national housing recovery. According to Andrew Khouri of the Los Angeles Times citing DataQuick, Southern California...

Orange County Mortgage Relief

The following information will be useful to anyone who owns a home that is “underwater” (the home is worth less than the secured debt against it) or for those that are simply having difficulty making their existing mortgage payment(s). If you fall into either of those categories...

Who’s Filing Bankruptcy in Orange County?

It’s almost a guarantee that a potential client will say at some point during an initial meeting with a bankruptcy attorney that, “I can’t believe I have to do this; I’m not the type of person that files bankruptcy.” This will normally lead to the bankruptcy lawyer explaining...

Distinguished, Famous, and Notable Debtors

There is a prevalent misconception in the public that an individual who files for protection under the bankruptcy code (a Constitutional right as guaranteed for all lawful residents by Article 1, Section 8 of the United Stated Constitution) is a bad, reckless, or immoral...

Chapter 13, Mortgage Arrears, and Personal Income Taxes

Many individuals who file for protection under Chapter 13 do so in order to bring their mortgage current; also referred to as curing mortgage arrears. Often times, people who have been attempting a loan modification or who have lost a job, have not made a mortgage payment in many...

Religious Concerns with Bankruptcy

A frequent difficulty for many people struggling with the decision to file bankruptcy is religion. Many people with religious concerns related to filing bankruptcy believe that being relieved of their debts is immoral and counter to their religious beliefs. The belief that...

Credit Cards and Bankruptcy

One of the first questions that a potential bankruptcy filer invariably asks is, “which of my credit cards can I keep?” and this is normally followed with, “how will I ever get a credit card again if I file bankruptcy?” Both of these questions are answered below: 1. Which credit...

Chapter 7 Bankruptcy Timeline

Summary of Chapter 7 Timeline Prior to filing Meet with attorney and sign retainer Debtor collects documents and provides to attorney Debtor completes online class in consumer credit counseling Debtor reviews and signs all documents to be filed with bankruptcy court, t...