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Financial Death by a Thousand Cuts

August 5, 2011

By: Jeff Curl Do you really need your moldy pillow from 1993?  According to this article, one in eleven Americans pays for a self-storage space.  Since this article was published in 1995, and the rate was climbing then, I bet it’s a higher rate today.  I don’t know what it is with people obsessively collecting [...]

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Credit Counseling Class?

August 4, 2011

Written by San Francisco Bankruptcy Lawyer, Jeena Cho   You may have heard there is a “credit counseling” requirement before you can file for bankruptcy. This mysterious counseling class seems to give many people great anxiety. In fact, it is one of the first questions clients ask about. “What is this CLASS I have to take?” [...]

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Schedule a Blind Date with a Bankruptcy Attorney

July 29, 2011

By: Jeena Cho Meeting with your potential future attorney is a lot like going on a blind date. It is a “special” blind date because we are going to talk about topics generally reserved for very serious relationships – money & debt. That can be a scary proposition. Beside that, it’s similar to any other [...]

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Pleased to Meet You Ignorance. Can I Punch You in the Face?

July 22, 2011

By: Jeff Curl I’m not a violent guy.  Really.  This is for many reasons, not the least of which is that I would probably lose most violent confrontations.  But last month I wanted to grab someone and shake him firmly until he understood me. Let’s call him Jim.  I was at a social event, and when you meet someone for [...]

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Living Debt Free is a Mindset

July 12, 2011

By: Jeena Cho Frequently, when I speak with clients about money and debt issues, they ask me about ways to get out of debt or living debt free quickly. I know it’s easy to think there is some “secret” or “trick” – after all, if you watch any amount of late night TV or listen [...]

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Senate Hears Testimony on For-Profit College Rules

June 28, 2011

I’ve been meeting with more and more recent college grads who are unemployed or underemployed.  They are unable to repay their student loan debts. It’s unfortunate that you can get yourself out of just about every other kind of debt except student loans. So, maybe we should add student loans after “Death and taxes” as a [...]

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What is the California exemption for jewelry in a Chapter 7 bankruptcy?

June 21, 2011

California exemption CC 703 example; How does California exemption work?

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What running a small business teaches you about wedding planning

June 20, 2011

For those of you that read our blog, you may have noticed that we are not writing as much about the nuts and bolts of bankruptcy. Instead, I’ve been writing more about general money matters. The reason for this? Two words – wedding planning. So, if you ever wondered what a wedding planned by two [...]

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How long does it take to file for bankruptcy?

June 9, 2011

Clients frequently ask me is how long his or her bankruptcy will take. Even though the question is simple, the answer is not so easy to answer. So, let me explain. In every bankruptcy case, there is a lot of information I will need from you before I can ever sit down to prepare your [...]

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Chase doesn’t care about you. Really.

May 28, 2011

By: Jeena Cho I don’t think I’m breaking any news story here but just for the record, Chase doesn’t care about you. Neither does AMEX (even if you have a Platinum card), or Discover, or Bank of America or… you get the idea. They DO care about taking your money. No doubt. However, they don’t [...]

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