The Law Offices of Karen Ware offers a free initial phone consultation with attorney Karen Ware. During a typical day, we speak to many people about bankruptcy options.
From our experience over the years, we know that almost all consultations include common questions (often referred to as frequently asked questions or FAQs). Answering these questions as early as possible can relieve a great amount of stress for a person considering bankruptcy.
For example: People are usually very concerned about keeping their vehicles and homes when they file bankruptcy. And often people want to know if they are required to file a joint bankruptcy with their spouse, or if they can file alone.
In addition to these FAQs, there are also hot topics in bankruptcy. These subjects include both areas of bankruptcy law that are currently evolving and areas that have been affected by recent court decisions.
Our Chapter 7 and Chapter 13 Bankruptcy Blog discusses both frequently asked questions and changing areas of bankruptcy law.
People often want to keep one or more of their debts “out of” their bankruptcy. Maybe it is a low- or zero-balance credit card they’d like to keep. Maybe it is a debt owed to Mom and they want to keep paying Mom back during the bank…
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The first question many people ask in their free bankruptcy consultation is: "How can I pay for my bankruptcy?" This is really two questions: (1) What rules apply to paying bankruptcy fees? and (2) Where can I get the funds to pay for my bankruptcy…
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I filed bankruptcy a week ago. I got my paycheck today, and my wages are still being garnished. Why is this happening? This post describes the behind the scenes process for stopping a wage garnishment after a person files bankruptcy. Most importantly…
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Many times people have done quite a bit of online research before they call our office for a consultation. We appreciate having informed clients– but there is also a lot of inaccurate information about bankruptcy on the internet. In this post we di…
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I’m considering filing bankruptcy. Are there any mistakes I should avoid? People often ask this question. It’s easy to understand why. Bankruptcy is complex. And, there is a lot of misinformation about what happens to a person’s debts and asset…
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A creditor is garnishing my wages to pay credit card debt from 15 years ago. I thought the statute of limitations was only four years in California! Wage garnishments can seem to come out of the blue. Often the garnishment is collecting on a very old…
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Help! My employer just told me my wages are going to be garnished. Can I stop the garnishment? A wage garnishment is an emergency situation– no question about it. Under California Law, the garnishing creditor can get the lesser of: 20% of your disp…
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One of the first questions we ask during our free bankruptcy consultation is: “How much debt do you have, and what kind of debt is it?” While there’s no minimum amount of debt required, there is a threshold amount below which it doesn’t make…
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This is often the first question people ask during their bankruptcy consultation. But, it is really two questions. The first question is: “Can I exempt the equity in my vehicle using bankruptcy exemptions?” and The second question is: “What opt…
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My bank account was just levied to pay an old judgment against my spouse. Can they do that? As with most legal questions, the answer is: “It depends.” In this situation, the answer is often: “Very likely they can.” Let’s back up a bit. Cali…
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