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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… Read More

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… Read More

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… Read More

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… Read More

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… Read More

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… Read More

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… Read More

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… Read More