According to a recent USA TODAY article, many seniors that took out reverse mortgages are now facing foreclosure. This is even more prominent in African American neighborhoods. So, are you in danger? First, you should know what a reverse mortgage is and how it works. So, How Does a Reverse Mortgage Work? A reverse mortgage […]

Coming to the decision to file for bankruptcy can be a difficult decision. No doubt you have weighed your options carefully before coming to this decision. We understand. Now, you may be wondering what you should do next and if anything should be avoided. So, here is a list of common bankruptcy mistakes to avoid: […]

Are worried about how to protect your identity? If so, we have put together some helpful information for you below: What You Can Do To Protect Your Identity The best way to protect yourself is to keep your information private. Be sure that you know why your personal information is required and how it will […]

Were your wages garnished by the Employment Development Department (EDD)? If so, there are things you should know. The EDD is not like debt-buyers that require a lawsuit to withhold your money. The EDD is able to withhold money owed to you by the state to repay a debt. Since there is never a good […]

A common question we are asked is if you can lose your job because you filed for bankruptcy. You should know that your employer cannot fire you only because you filed for bankruptcy. This is protected under the law. Again, your employer (government or private) cannot fire you for the sole reason that you filed […]

Credit card debt is a concern for most Americans. Are being sued by a credit card debt? So, what do you do? To avoid receiving a judgment, or legal obligation to pay back a debt, you need to be aware of the following: 1. Do Not Ignore a Summons & Complaint If a lawsuit has […]

If you are struggling with debt, you are probably weighing your options to see what will work best for you. This is exactly what you should be doing. However, you should know that credit counseling businesses can only help so much. For example, they are unable to negotiate with the IRS. They also cannot help […]

Are worried about having your wages garnished? If so, you know that there is never a good time for a wage garnishment. In fact, you are probably concerned about keeping up with your bills and living expenses. You should be aware that there are limits on garnishments. The State of California prohibits creditors from garnishing […]

Were your wages garnished? We meet with many people worried that their wages will be garnished due to debt and EDD overpayments. If you are concerned that your wages may be in jeopardy, you will want to read on: When Does a Wage Garnishment Happen? A wage garnishment from a judgment occurs when an order […]

Do you owe the IRS money? Are you unsure what to do? If so, you may be wondering how filing for bankruptcy can help. Your first step should be to make an appointment with a qualified bankruptcy attorney to hear about how bankruptcy can help your situation. Chapter 13  A Chapter 13 will enable you […]