How to Handle Taxes During your Chapter 13
WARNING Tax refunds are pledged to the Chapter 13 Plan in all orders confirming plans, and you must give your federal and…
Your Banker’s Children Will Not Go Hungry
I have lots of clients who only owe credit card debt to the big banks and pay them for years, and when…
How Debt Collectors Work and What You Need to Know About Debt Collection
You fall behind on your debts. You’ve always paid your debts, so you’re worried. Finally, the calls start coming. Anxiety knaws at…
Proposed Consumer Protection Agency
The prospect of a consumer protection agency being debated in Congress that protects consumers from predatory lending practices is a very welcome…
Declaring the Bankrupcy
Declaring Bankruptcy The phrase “declaring bankruptcy” has been with us a long time, but what does it really mean? If you start…
Is Bankruptcy a Laughing Matter?
Believe it or not, laughter is not uncommonly heard in my consultation conference room. We care deeply about the issues around debt…
How Do You Decide What to Do When Your House is Underwater?
Nationally, almost a quarter of all homes with mortgages are “underwater” now. I’m talking figuratively, of course, as this is California, not…
Cash for Keys
The Cash for Keys program (or “CFK”) is something that can help you out if you have to leave your foreclosed residence. …
Financial Bailouts and Leverage
We were at the cusp of a new era in finance when the old system nearly collapsed last year. Then the government…