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If you are a California resident who is struggling to pay your credit card balances, it may be a good idea to consider a balance transfer. If you also have student loan, auto or other types of debt, a consolidation loan might be a good way to reduce your monthly...
When you become unable to stay on top of your finances due to sudden medical debt or other circumstances, you may feel as if you are living in a constant state of anxiety. Having creditors contact you at your California home or at work may compound these feelings....
When struggling with debt, the last thing you want to do is deal with an unpleasant debt collector. While many debt collectors respect the personal bounds of the people they deal with, some will cross lines and cause problems on purpose. How can you tell when you are...
The purpose of the Fair Debt Collection Practices Act is to prevent creditors from harassing debtors and regulates how these collection agencies may get in contact with you. Understandably, creditors will attempt to contact you when you are behind on your bills....
Buying a home is a lengthy and extensive process. This is partly because the banks invest so much time and effort into ensuring that you can afford a mortgage before giving it to you. Despite all the safeguards around issuing mortgages, however, you may still end up...
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...