February, 2011 Articles

Credit Counseling as a Prerequisite to Filing Bankruptcy

As a result of changes made in the Bankruptcy Abuse Prevention and Consumer Protection Act in 2005, it is now a requirement that individuals who want to file bankruptcy, complete credit counseling by ...
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Important Facts to Know About Bankruptcy

In 2005 some new bankruptcy laws went into effect; this was called the Bankruptcy Abuse Prevention and Consumer Protection Act (also known as the Bankruptcy Reform Act). The changes which were ...
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Important Facts to Know About Bankruptcy

In 2005 some new bankruptcy laws went into effect; this was called the Bankruptcy Abuse Prevention and Consumer Protection Act (also known as the Bankruptcy Reform Act). The changes which were ...
Continue reading "Important Facts to Know About Bankruptcy" »

Is Declaring Bankruptcy an Ethical Decision?

Most people want to be honest, reliable and trustworthy when it comes to financial matters and would prefer to pay than bills whenever possible. Life sometimes has a way of being unpredictable, ...
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Is Declaring Bankruptcy an Ethical Decision?

Most people want to be honest, reliable and trustworthy when it comes to financial matters and would prefer to pay than bills whenever possible. Life sometimes has a way of being unpredictable, ...
Continue reading "Is Declaring Bankruptcy an Ethical Decision?" »

Credit Cards Can Be a Double-Edged Sword

Having credit cards can be a blessing when we need to make instant purchases and the cash is not to hand. Unexpected expenses can come crashing down on us like a surprise visit to the doctor may be ...
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Credit Cards Can Be a Double-Edged Sword

Having credit cards can be a blessing when we need to make instant purchases and the cash is not to hand. Unexpected expenses can come crashing down on us like a surprise visit to the doctor may be ...
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Filing for Bankruptcy

In today's economy, over one million American's are filing for bankruptcy each year, and the numbers have shown no sign of decreasing, even since recent 2005 changes to the U.S. bankruptcy ...
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Wage Garnishment in California

Every state has its own set of laws governing wage garnishments. In the state of California, when you default on a loan, the creditor can file a lawsuit against you. If they succeed, the creditor can ...
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Alternatives to Foreclosure

When the real estate bubble burst, Orange County County was hit harder than most counties across the nation. If you are a homeowner in Orange County, you are feeling the pain. It may not be your home ...
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Rebuilding Your Credit after Bankruptcy

Filing for bankruptcy is not the end of the world, these days the way people view bankruptcy is changing. Bankruptcy is no longer taboo; with the economy in the dumps, millions of Americans are ...
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Bankruptcy Questions and Answers

With today's current state of the economy, countless California families are finding relief from overwhelming debt through filing for bankruptcy. If you are heading towards bankruptcy, you have ...
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Orange County Foreclosure Defense

If you have lived in Orange County for the last ten years, you have watched the real estate bubble grow, and then burst. Although every state has been hit hard by the real estate crash, California is ...
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Getting Started on Bankruptcy

If you are considering filing for bankruptcy, you are not alone. With today’s present economy, record numbers of American’s are filing for bankruptcy relief. You do not need to feel ashamed if you ...
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What Kind of Debt is Included in a Chapter 7?

If this is your first time filing for bankruptcy, you probably have a lot of questions, namely, what kind of debt can be discharged in a Chapter 7 bankruptcy? Do you qualify for Chapter 7? What is the ...
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