Tag: lien strip lawyer glendale cerritos
Potential Home equity builder?
Can you discharge your Second Mortgage in bankruptcy, and still keep your home? Many Americans are now in the position where their home is worth less than what they owe on it. In some areas, homeowners are seeing drops in value from 30% to 50%. In desperation, some homeowners have made the calculated decision to [...]
Credit after Bankruptcy – Yes you can !
After a debtor receives a discharge in bankruptcy, creditors whose debts are discharged are required to report that the account has a zero balance. The fact of the filing itself can remain on the credit report for 10 years from the date it was filed. A debtor interested in re-establishing credit after bankruptcy should obtain [...]
Debt Collection and Bankruptcy
If you, like so many Americans today, have found yourself in financial trouble, you are not alone. People that felt they have done everything right and now find themselves unable to make ends meet. People that are new to these types of financial troubles may have never experienced credit card companies calling and demanding payment. [...]
CAN I BORROW SOME MORE….
My client sat down and sighed deeply. He had a plastic bag which he emptied on the desk. Mostly unopened mail, you just knew who they were from. “I don’t know what to do”, he said. “I’ve tried to borrow money to pay off these debts, but the banks turned me down, even the payday [...]
Eliminate debt without permanently damaging your credit
Ask yourself this: If you could eliminate your debt without permanently damaging your credit, why wouldn’t you? The stigma related to bankruptcy is not what it was 30 years ago. Just ask the millions of Americans who have taken this step to rebuild their futures. A clean slate is the ultimate tool of empowerment. Bankruptcy [...]
REESTABLISH YOUR CREDIT
Banks and credit card companies have told us how important it is to maintain our credit, honor our obligations, pay on time, but what if we suddenly can’t pay on time, then what? What if I lose my job, and can’t pay anyone right now, where does that put me? The answers may surprise you: [...]
DISCHARGING STUDENT LOANS OR TAXES IN BANKRUPTCY
For cases filed after October 7, 1998, Student Loans are only dischargeable if: 1. You can prove that having to repay it would impose an “undue hardship” on you (as defined below), OR, For cases filed PRIOR TO October 17, 2005, 2. If the PROGRAM under which your student loan is issued, insured, administered is [...]
12 REASONS TO CONTACT A BANKRUPTCY ATTORNEY
The first step to overcoming a debt problem is recognizing it. If worries about your credit cards or a pending foreclosure are keeping you awake at night, you probably already know you’re in over your head. Just cruising along, juggling credit cards, taking from one to pay the other is not the answer. If this [...]
Debt Collection Harassment – It can be stopped immediately!
If you, like so many Americans today, have found yourself in financial trouble, you are not alone. People that felt they have done everything right and now find themselves unable to make ends meet. People that are new to these types of financial troubles may have never experienced credit card companies calling and demanding payment. [...]
CAN’T MAKE ENDS MEET?
If expenses exceed income, and creditor calls become harassment calls, you need help. When it’s a choice of food on the table or paying late charges on credit card balances that never seem to get smaller, the thought of bankruptcy is worth considering. Many people still find themselves in this situation. Last year over 2 [...]
