If debt is not properly dealt with, it can easily evolve from a bill you have to pay to an extremely challenging legal action. If you are having financial difficulties, you should understand that more than ever you are not alone. Beginning with the COVID-19 shutdown and lockdowns, millions of individuals lost their job and …

Continue reading “From Delinquency to Default Judgment: What You Need to Know About Collection Lawsuits”

It is never a good time to file bankruptcy. However, what if you are unemployed and considering bankruptcy in California? Although anyone may file bankruptcy, it does not mean that the filing will be successful, regardless of your employment status. Being unemployed means your funds are limited and filing bankruptcy may seem like the right …

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Going through divorce is difficult. Going through divorce and bankruptcy can be even more complicated and anxiety-driven. If you are legally separated or in the process of filing for divorce while going through bankruptcy, you have the option of separating your cases into two so that you and your spouse can do what you want …

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The coronavirus pandemic seriously impacted all aspects of our lives. The virus especially impacted the livelihood and survival of small businesses due to a combination of government shutdowns, consumer caution and depressed consumer spending. In an effort to provide a lifeline for many small businesses and owners, the Corona Virus, Aid, Relief and Economic Security …

Continue reading “What Are My Options If Can’t Pay Back My PPP Loan?”

From iconic department stores and entertainment giants to small mom and pop stores and individuals, the Covid-19 pandemic has seemingly spared no one in its devastation of the U.S. economy. Falling consumer demand, reduced entertainment spending, and stay-at-home orders mandating certain businesses stay closed have taken a major toll on the retail industry that was …

Continue reading “Bankruptcies Continue Still One Year Into the Pandemic”

Filing for bankruptcy can get you immediate protection for many actions taken by creditors, including a landlord who you may owe rent to. This protection is called an “automatic stay.” Landlords, similar to most other creditors, are covered by this automatic stay because the law stops “any act to obtain possession of [your] property” or …

Continue reading “Will Filing for Bankruptcy Stop a Rental Eviction?”

Filing for bankruptcy is never an easy decision. Although many different factors can impact each consumer’s decision, one common consideration is what will happen to debt owed to friends and family members. Most people who are looking to file bankruptcy often first look for ways to protect personal relationships and pay off those close to …

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Debt hurts California families in many different obvious and direct ways. There is no doubt that juggling debt and dealing with creditors and debt collectors is stressful. For some families, carrying debt can mean not having available money to buy the more lavish things in life, while for others it means cutting back on daily …

Continue reading “The Impact of Financial Stress of Your Health”