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Filing for bankruptcy in California can be a difficult decision to make, but it can also provide relief from overwhelming debt and a chance for a fresh financial start. It's essential to understand the process and be prepared before, during, and after filing for...
An accident or illness can leave a resident of California with significant medical debt. If you are concerned about not being able to pay your health care bills, bankruptcy may be an option. Medical debt and bankruptcy Medical debt is fully dischargeable in...
California residents with unemployment or health issues might not have enough funds to cover their student loan payments. These troubled borrowers may look to bankruptcy laws for answers. New guidance on discharging student loan debts could give borrowers an idea...
Filing for bankruptcy may be an effective way to reorganize or eliminate your outstanding debt balances. In some cases, it may be possible to retain assets or retain a portion of the value of those assets in the event that they are liquidated. Under California law,...
Filing for bankruptcy can be a lifesaver sometimes. However, many people in California desist from exploring this option when drowning in debt due to the many false, misguided beliefs circulated around. Taking the time to understand bankruptcy laws and how it works...
Credit cards provide purchasing solutions to those who aren’t carrying cash or wish to finance their payments. Some might find themselves charging far too much on their cards, often out of need. Anyone out of work or short on funds might need to charge more than they...
If you’re filing for bankruptcy in California, you may have heard that you’re going to have to get a bankruptcy certificate. A bankruptcy certificate is a document that proves that you have completed the credit counseling and debtor education relating to your...
The automatic stay allows a bankruptcy filer to avoid harassment and collection actions. This provision starts as soon as the bankruptcy plan goes into effect. The automatic stay is beneficial in most cases in California where debtors are hounded by creditors and...
Many bankruptcy filers in California choose Chapter 13 to deal with their debts. They also must file Chapter 13 if they are above the income threshold for Chapter 7. Chapter 13 allows consumers to repay debts over time with a payment plan. How Chapter 13 payment plans...