The activities of California debt collectors are regulated under the Fair Debt Collection Practices Act. This law prohibits harassment by third party collectors like collection agencies, but not the creditors. Documenting any of these harassing activities, like excessive phone calls or threats, is very important. Create a file of them that can be shared with … Read moreHow to Stop Credit Collectors in Petaluma
If you’re facing bankruptcy, you’re probably worried about the future. You have important choices to make and need the most updated information and advice available. There are many people to deal with – creditors, mortgage companies, and business colleagues. Not to worry! An expert bankruptcy lawyer the David P. Gardner Law Firm in Petaluma, California … Read moreHow to Find the Best Bankruptcy Lawyer in Petaluma
If you’ve got a pile of credit card bills and other debts you can’t possibly repay, you might be thinking about filing for bankruptcy. You may also be wondering if you’ll still have to pay anything back, and if you can keep any of your belongings or property. An experienced bankruptcy lawyer from The David … Read moreHire a Bankruptcy Law Firm Near You in Petaluma
If you’re planning on filing for Chapter 7 bankruptcy, you’re probably wondering if there are any debts that you won’t be able to get rid of by filing. Indeed, if you’re paying alimony or child support, you’ll continue to pay this after filing. Many types of tax debts are also not discharged, as well as … Read moreWhat Debts Are Not Discharged in Chapter 7 Bankruptcy?
If you have accumulating debt and are behind on your mortgage payments, your lender may threaten foreclosure. If this is the case, Chapter 13 bankruptcy can be a good way to stop the proceedings. A Chapter 13 bankruptcy provides an automatic stay, or court order, to stop the foreclosure from moving forward as soon as … Read moreCan I Stop Foreclosure with Chapter 13?
If you live in Santa Rosa, California, and are behind on house payments, the mortgage lender may be threatening foreclosure. If this is the case, you probably want to do everything you can to keep your home. An option is to apply for a loan modification, an agreement to change the terms of your mortgage … Read moreHow to Stop the Foreclosure Process in Santa Rosa
If you have a home that is going into foreclosure, there are two types of bankruptcy you may consider: Chapter 7 and Chapter 13. With Chapter 7 bankruptcy, there’s an automatic stay, or court order, to stop the foreclosure proceedings temporarily. However, you can still lose your home. If you want to save your home, … Read moreCan I Save My House with a Chapter 13 Bankruptcy?
If you’re considering filing for bankruptcy due to overwhelming debt, you may be wondering what kind to file. Two of the most important types of bankruptcy are Chapter 7 and Chapter 13. Depending on your unique circumstances, one may be better than the other. For example, if you don’t have property that’s important to you, … Read moreIs It Better to File for Chapter 7 or 13?
If you are in debt with no hope of paying it back, a Chapter 7 bankruptcy may be the best option, allowing you to start over with a clean slate. After you file, a court will appoint a trustee to gather all of your financial assets and determine which ones can be sold to pay … Read moreHow Does a Chapter 7 Bankruptcy Work?
Whether or not you qualify to file for Chapter 7 bankruptcy will depend a lot on your income. The “means test” is a method used to determine whether or not you have the resources to pay off your debts in some kind of payment plan over time. If your income is over the median for … Read moreHow Do I Know If I Qualify for Chapter 7?