California bankruptcy exemptions allow people filing for debt relief through the courts to keep most of their commonly used property, such as their homes and automobiles. California has Exemption System 1 and Exemption System 2; however, filers can only choose one and...
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Bankruptcy Law
The weight of credit card debt
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...
What is a bankruptcy certificate?
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 in your bankruptcy case
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...
Overview of the Chapter 13 repayment plan
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...