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When you have numerous debts that you can not pay, you might face the possibility of losing your home or property. You might have creditors contacting you relentlessly trying to collect money that you do not have. Bankruptcy can provide relief from overwhelming debt...
If you owe a debt, creditors or the debt collectors they hire may try numerous tactics to find you and collect the debt. This can be worrisome and stressful, but you must remember that there are laws and regulations that apply to debt collections. Can creditors call...
The COVID-19 pandemic affected every part of our lives. The sudden shutdown of normal life brought the U.S. economy to a near standstill. Many of us in Santa Rosa who could not work from home lost our jobs or got very sick and could not work. A lot of people are still...
Under California law, an interested person can challenge a decedent's will in the probate court. An interested party is someone who was an heir in an earlier will or other possible heir excluded from the probated will. A divorce automatically revokes will provisions...
If you have debt, student loans may make up a large portion of what you owe. Generally, it is harder to get student loans discharged during the bankruptcy process, but it is possible. According to Federal Student Aid, you must file for an adversary proceeding if you...
If you are like many Americans, you may assume that trust funds are only for the very wealthy. However, even if you have only a modest estate, a trust can be an important financial planning tool that ensures your assets transfer more easily to loved ones after your...
Many married individuals keep an embarrassing secret or two. Some secrets might be harmless, but nearly half of Americans are hiding something potentially devasting from their spouses. Around 43% of married Americans are hiding debt from a significant other. This can...
Creating a will helps ensure that the state distributes your assets according to your wishes after you die. However, even if you have a will, your estate may have to go through the probate process. What are the reasons an estate goes through probate? What probate is...
If you struggle with bills you cannot afford to pay, you might feel shame and embarrassment about sharing your financial issues with others. Often, these emotions prevent people from seeking life-changing help with debt. These strategies can help you overcome the...
Life should be about more than constantly struggling to stay on top of your bills. If you have too much debt, you are likely to experience anxiety, depression and stress. These emotional consequences of debt may cause your physical health to fail as well. If you have...