415.963.4004

House Rich, Cash Poor or Just Double Poor

September 30, 2011

By Jeff Curl Are you sacrificing everything to keep your home? Maybe nothing is going into retirement or your emergency fund.  Maybe you are actually taking money out of these sacred cow accounts to make the mortgage payments.  Coupled with drops in home prices, many of these homes are underwater.  Not to mention a good [...]

Read the full article →

How did you find us?

September 19, 2011

  It’s always interesting to learn how clients find us. Frequently, clients find us through referrals, other times, through the Internet. With a little help from Google, I have some interesting insights into what keywords people are using to find us. Here are some popular questions you are asking (along with additional information.)   Do [...]

Read the full article →

Should Someone with $20,000 in Credit Card Debt File Bankruptcy?

September 18, 2011

At the risk of sounding like a lawyer, it depends.  Sometimes I am asked, “I have $10,000 in debt (or $30,000 or $80,000 or whatever).  Can I file?  And should I file?”  As to the first question, there is no minimum amount of debt required to file bankruptcy.  If you are otherwise qualified, you can [...]

Read the full article →

Ripping off the debt Band-Aid

September 13, 2011

By: Jeena Cho I often meet with people who spend months or years peeling the debt Band-Aid off millimeters at a time instead of yanking it off at once. Instead of making concrete plans to either repay the debt, settle, or file for bankruptcy, they go on extending the pain and the inevitable. Here’s the [...]

Read the full article →

Can you keep a car when you file for bankruptcy?

September 8, 2011

By: Jeena Cho Recently, I received a call from a local TV station asking me if a person can keep a car if he or she declares bankruptcy. I get asked similar questions all the time and I cringe slightly because this seemingly simple question doesn’t have a simple answer. The person from the TV [...]

Read the full article →

The Descent into Credit Card Debt Hell

August 25, 2011

by Mint.com via Tweet

Read the full article →

Bankruptcy isn’t something that only happens to “those people”

August 23, 2011

By: Jeena Cho When I tell someone I’m a bankruptcy attorney, a frequent reaction I get is something like “oh, you work with those people.” The implication being that there is a certain category of those people that file for bankruptcy and that he could never become one. One of the most common thing a [...]

Read the full article →

Bankruptcy Facts (in infographic)

August 23, 2011

Here’s a good visual to explain trends in bankruptcy filing. Note: The statement about removing Automatic Stay Protection for Chapter 7 is incorrect. Automatic Stay still exists for every bankruptcy filing (with some minor exceptions.) view enlarged version here. via Tweet

Read the full article →

Stopping wage garnishment with bankruptcy

August 15, 2011

By: Jeena Cho I met with a client recently who had been living with a wage garnishment for 6 months. She falsely believed that it was too late to file for bankruptcy once the sheriff served her employer with the garnishment order. So, she had been living with 25% less income for the past 6 [...]

Read the full article →

9 reasons to quit keeping up with the Joneses

August 8, 2011

Are you a victim of keeping up with the Joneses? If you find yourself comparing yourself to your next door neighbor, people on TV or the virtual Joneses, here are nine reasons to quit – now. You too will get old. Before you keep up with the Joneses or the Smiths or anyone else, you [...]

Read the full article →

← Previous Entries

Next Entries →