Prohibited Creditor Actions: A Comprehensive Guide
Being in debt is burdensome enough, even without adding more stress to an already bad situation. The problem, however, is that creditors and debt collectors seem to ignore this fact in the vast majority of cases. Fortunately, there are laws in place to protect you from abusive debt collection practices. Even if you hire the […]
Filing for Student Loan Bankruptcy: A Step-by-Step Guide
It is no secret that student loans in the US can reach exorbitant amounts. More often than not, these become a burden that weighs heavily on the individual long after they’ve finished their academic studies. In the most extreme cases, student debts can become so overwhelming that the person may find themselves struggling to meet […]
Can I Lose My Retirement Account Account if I File Bankruptcy?
Retirement accounts are important tools for retirement planning. One of the biggest myths about bankruptcy is that you will lose everything, including your retirement accounts. However, nothing could be further from the truth. While bankruptcy cannot magically wipe away all the debt you’ve incurred, it does help you keep your retirement account intact. Allowing you […]
Creditor Harassment Explained
Being indebted is a harsh reality for many Americans. In fact, it is estimated that roughly 340 million US citizens live with some form of debt or another which creditors work tirelessly to collect. While doing so is well within their legal right, there are rules and regulations in place defining exactly how creditors can […]
Student Loans & Bankruptcy: New Developments
For what seems like forever, laws pertaining to student loan debts showed no signs of change, heavily favoring creditors over debtors, and placing extreme financial strain on the latter. Fortunately, with the Bankruptcy Fairness Act of 2023, it seems that the tides are finally turning! Both the borrowers and debt attorneys in San Diego welcomed […]
How Bankruptcy & Lawyers Stop Creditor Harassment
Do you know what’s more stressful than being in debt and postponing filing for bankruptcy and getting free from it? Constantly going through incessant harassment from your creditors. They just don’t seem to want to stop now, don’t they? Yes, creditors will generally be like that, which is why it’s best to simply find a […]
5 Methods for Finding a Good Bankruptcy Attorney
An experienced, qualified, and most of all pleasant-to-work-with bankruptcy lawyer is essential for smooth sailing through your bankruptcy process and sunny shores that await you on the other side. However, to enlist the best possible legal representation in San Diego for your Chapter 13 bankruptcy, you need to know what qualities to look for when […]
How to Know if You Qualify for Chapter 7 & How Often You Can File
Filing bankruptcy in San Diego, CA often means the difference between continuing to endure creditor harassment and waging the unwinnable war with your debt, and achieving financial freedom and getting your finances back in order. However, before rushing to meet a Chapter 7 bankruptcy lawyer, you have to know if you qualify for Chapter 7 […]
Student Loan Debt & Chapter 7 Bankruptcy: A Feasibility Study
In many cases, student loan debts grow to become an insurmountable obstacle in the life of an individual, with seemingly no way out of the endless circle of struggle and repayment. Fortunately, “seemingly” is the operating word here. What most people do not know is that filing a bankruptcy claim via a reputable San Diego […]
4 Ways to Avoid Foreclosure
When you’re facing foreclosure, it’s best not to dwell on the past and beat your head against the wall about what you could have done differently. It is what it is, and it can happen to anybody, so remember not to be too hard on yourself. However, foreclosure is a serious matter, and you need […]