188. What You Need to Know About Proposition 19
Are you a homeowner that is struggling? Have you heard about Proposition 19? Prop 19 is also known as The Home Protection for Seniors, Severely Disabled, Families, and Victims of Wildfire or Natural Disasters Act. This Act has special rules to [...]
187. Student Loan Borrower Assistance Ending Soon: Are You Ready?
Student loan payments have been paused until January 31, 2021. However, that date is approaching quickly. Are you ready to resume your payments? When Are Payments Due? According to the Federal Student Aid website, you will receive your billing statement or [...]
186. What is a Charge-Off and What Does it Mean for My Financial Situation?
Are you concerned about what to do about a charged off debt? Maybe you saw a debt marked as charged off on your credit report. This does not necessarily mean that you do not owe the debt anymore, so be careful. [...]
185. New Year’s Credit Resolutions: How Can I Get a Better Credit Score?
A credit score is a number that shows how likely you are to repay your debts. A credit report shows the factors that led to your score (credit accounts, credit cards, loans, credit limits, account balances and payment history). Are you [...]
Chapter 13 Bankruptcy Filing in California
If you’re struggling with debt, a bankruptcy filing may provide you with debt relief. Debtors can choose between two types of bankruptcy to having their consumer debts eliminated - Chapter 7 and Chapter 13. In a Chapter 7 bankruptcy (or liquidation [...]
184. Preparing for the New Year and a New Financial You
As this year comes to a close, we are taking time to reflect on the year’s successes and setbacks. This year has brought on incredible changes to our daily lives and our finances. Do you feel like this year has negatively [...]
Can I Get a Credit Card After Bankruptcy?
Bankruptcies leave people with bad credit. While improving your credit score and establishing credit to a potential lender might be challenging, it is not impossible. Even if you have a low credit score, there are certain things you can still do. [...]
183. What You Need to Know About the New Bankruptcy Reform Bill
Did you know that a new reform bill has been introduced on behalf of consumer debtors? Senator Elizabeth Warren and House Judiciary Chair Jerrold Nadler introduced the Consumer Bankruptcy Reform Act 2020, which will make improvements to current bankruptcy law. Improvements [...]
182. Do Not Underestimate COVID’s Impact on Your Finances
This has been a difficult financial year for most of us. In fact, some cities are also feeling the financial strain. According to an audit by the California State Auditor’s Office, the city of West Covina is now considered an at-risk [...]
How to File Bankruptcy in California
Filing bankruptcy in California allows debtors struggling with debt to getting a fresh financial start. A Chapter 7 bankruptcy, also known as liquidation bankruptcies, where the assets and property of the debtor are liquidated by the trustee to repay your creditors [...]
181. Is Your Debt Too Much to Handle This Holiday Season?
If you are worried that all of your planning and budgeting is not enough to help your finances during the holiday season? You are not alone. There are ways for you to reduce or eliminate your debt during this holiday season. [...]
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