Be honest Be honest with yourself, your attorney, the trustee, the court and anyone else involved in your bankruptcy case. The first question to ask is do you really need the help? Are you someone who has a small amount of debt that is manageable over the course of six months to a year or+ Read More
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Bankruptcy is a means through which honest, hardworking Californians who have incurred significant amounts of debt can get a fresh financial start. However, many potential clients at The Bankruptcy Group are often concerned about whether the way they got into debt can be corrected by a Chapter 7 or Chapter 13 bankruptcy filing.  

No one enjoys receiving calls from debt collectors. While some collectors are professional, many can be rude, aggressive, and difficult to work with. Thus, many people are immediately suspicious of anything a debt collector might tell them or any action they may attempt to convince a person to take. In some instances, this suspicion is well-founded. At least some debt collectors violate the rules and regulations set forth by the Federal Debt Collection Practices Act (FDCPA) and other relevant laws. 

Why do debt collectors keep calling me at work after I tell them to stop? The Fair Debt Collection Practices Act protects you from debt collectors calling your workplace.  But, if you tell them you want them to stop, the debt collectors keep calling. How’s that?

Are you facing wage garnishment? Can you afford to have your wages garnished? Many people, just like you, are struggling from paycheck to paycheck just to pay their mortgage or rent, utilities, and groceries. When wages are garnished against a person in this type of financial strain, it may mean that person or family cannot afford groceries or afford to pay their electric bill in full anymore. They end up having to make a sacrifice, choosing what bill or necessity not to pay now, because of the wage garnishment. Are you in this type of situation right now?

Code Provision There are times when you may need to convert a chapter 13 bankruptcy case to a chapter 7 bankruptcy case. Section 1307 of title 11 USC provides for conversion or dismissal. In essence, under section (a), a debtor may convert a case under Chapter 13 to a case under Chapter 7 at any+ Read More

For all people, excessive amounts of debt and financial stress can turn into a nightmare. But unlike a nightmare, one cannot simply wait to wake up to address the situation. In fact, the longer an individual waits to address growing debts, persistent creditors, and other financial problems, the worse the situation gets. And yet, many homeowners who have experienced a job loss, a serious illness, or another difficult life event will put off seeking relief and justify their inaction as a product of, “the time not being right.”