Pay Day Loans: Unsurprisingly, they suck
I see clients from all walks of life who take out so called Pay Day Loans. They are the worst. Only the extremely…
In Re Flores Changes Chapter 13 Bankruptcy for Over Median Debtors
A new case, In re Flores, was decided just recently here in the 9th Circuit Court of Appeals (the federal courts for the…
What Are Those Deadlines On Your Notice of Commencement?
Shortly after you file your case you will receive a “Notice of Commencement.” It details all the important information about your case.…
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…
Money & Magical Thinking in Washington and Around Your Kitchen Table
Magical thinking. In this age of jets and instant communication and the world wide web it is alive and well. In Washington…
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…
Should I Transfer This Asset Before I File?
SHOULD I TRANSFER THIS ASSET BEFORE I FILE? Something along the lines of “Should I give asset X to my kids before…
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…