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If you've been struggling for years to pay off your debts in California, filing for bankruptcy might be your only option. It's a drastic solution, but it allows you to either pay off your debts or to get some of your biggest debts discharged. Your credit score will...
As you begin thinking about bankruptcy as the way to get out of debt and give you a new financial start, you likely have many questions with regard to the various bankruptcy options you have and how each of them works. FindLaw reports that 71% of consumers choose to...
The decision to file for bankruptcy is no doubt one that you agonize over. Yet after making it, another large decision remains: which chapter should you file under? Many people come to us here at the Law Offices of Brian A. Barboza wanting to file under Chapter 7. If...
If you have decided to file for bankruptcy protection, you will find there are various steps to complete in the process. One of the early steps is attendance at the 341 meeting. Whether you choose Chapter 7 or Chapter 13, this is an important stop on your bankruptcy...
Filing for Chapter 13 bankruptcy may be the answer to getting out from underneath burdensome debt. You may stop collection efforts from creditors, have a judge discharge some of your debt while you repay the rest, and come out of the process ready to start a new...
Filing for bankruptcy might make the most sense for your situation because it can put an end to collection calls, lawsuits or wage garnishments. In some cases, it can result in an increase to your credit score. Typically, credit card debts, medical bills and personal...
Carrying high balances on credit cards is a common practice in California. The cost of living is so high that, for many people, it offers the only way to make ends meet. Unfortunately, borrowing money via a credit card is expensive. If you only make the minimum...
One of the trickiest parts of filing bankruptcy is often deciding which chapter to file. However, this is often a simple decision due to restrictions on who can file each chapter. Generally speaking, Chapter 11 is very similar to Chapter 13. The American Bankruptcy...
California families may end up crushed by debt with very few options. One choice that is available to you is bankruptcy. Although you may hesitate due to the stigma, bankruptcy can be a helpful thing for a household that is trying to make a clean financial start....
There are many methods to manage and repay debt. Two of the most popular methods are the “snowball” and the “avalanche” debt payment method, respectively. Both of these strategies have pros and cons, and the best one for you depends on your temperament and your...