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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 [...]

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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

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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 [...]

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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 [...]

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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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