How to Rebuild Credit After Chapter 7
While bankruptcy does represent a difficult stretch of your financial journey, it is by no means the end of it. Rather, it’s a “course correction”; a pit stop that allows you to reevaluate, reassess, and reinstate some positive habits that’ll go a long way toward securing your future. Whether you choose to do it on […]
Signs You Need to File Bankruptcy Before It’s Too Late
Most people wait too long to file bankruptcy, usually until their wages get garnished or their car gets repossessed. By that point, the damage already feels personal. Here’s the deal. Bankruptcy exists to protect you, not punish you. It gives you legal breathing room when bills stack faster than income and creditors stop listening. In […]
What Happens to Your Retirement Account if You File Bankruptcy in San Diego
If you’re like most San Diegans considering bankruptcy, there’s one fear that hits you first: “What happens to my retirement?” It’s a fear that keeps people stuck in debt far longer than they should be. But you don’t lose your retirement in bankruptcy, unless you make one critical mistake before filing. Because the real danger […]
12 Bankruptcy Myths That Keep San Diegans in Debt Longer
If you’re in San Diego and buried under debt, you’ve probably heard the horrible stories about bankruptcy. Maybe a friend told you it ruins your life forever. Maybe a family member warned you that you’ll lose everything. Or late-night Googling left you even more confused. Those stories keep good people stuck, paralyzed with fear, while […]
Wage Garnishment in San Diego: How Bankruptcy Stops It Instantly
Finally, payday arrives and you log into your bank account to pay the rent, grab groceries, or cover daycare fees… but the numbers don’t add up. Hundreds, and sometimes even thousands of dollars, are missing. That’s wage garnishment. That moment when you open your paycheck and realize it won’t cover necessities… it is painful. At […]
Do’s and Don’ts of Chapter 11 Bankruptcy for Business Owners In San Diego
Rising costs, unpredictable markets, and debt piling faster than revenue are the challenges businesses face across San Diego. But the issue is that owners don’t believe bankruptcy can save their businesses. And most resistance comes from emotion, not facts. Here’s why business owners hesitate to file bankruptcy: Many owners equate filing with personal failure. They […]
Bankruptcy Chapter 7 vs Chapter 13: What’s best to file in San Diego?
Many San Diegans overwhelmed by debt often consider bankruptcy as a solution. However, choosing between Chapter 7 and Chapter 13 can be confusing. Both work very differently. Picking the wrong one can cost you the very assets you’re trying to protect… or keep you chained to debt years longer than necessary. Bankruptcy isn’t one-size-fits-all. The […]
Chapter 7 or Chapter 13: Which One to File?
Are your debts becoming too much to handle? Filing for bankruptcy will get you the relief you need, both when it comes to your finances and your stress. If you’re not sure what type to file to get the most out of it, keep reading and get a rundown on Chapter 7 and Chapter 13. […]
5 Reasons to Hire a Bankruptcy Lawyer
You know how everybody talks about bankruptcy and always in the negative. “They” emphasize stress as the most worrisome aspect of a Bankruptcy case. To be honest, though, bankruptcy is the most powerful legal tool available to individuals, families and businesses!! Bankruptcy eliminates stress and worry… and debt! Nowhere else in life can you spend […]
Law Offices of Mark L. Miller Voted “San Diego’s Best Bankruptcy Firm”
San Diego’s Best Bankruptcy Firm is once again the Law Offices of Mark L. Miller! Each year the San Diego Union-Tribune Newspaper hosts its “San Diego’s Best” poll. The poll asks readers to nominate and vote on the best of the best businesses throughout San Diego. 25 Years Getting Clients Out of Debt The Law […]