Blog Posts in 2013

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  • Getting Rid of Student Loans in Bankruptcy
    Getting Rid of Student Loans in Bankruptcy

    Many people think that it is impossible to get rid of student loans in bankruptcy, but that is not quite true. It is very difficult, but there are certain circumstances where student loans can be ...

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  • Will Bankruptcy Get Rid of MY Debts?
    Will Bankruptcy Get Rid of MY Debts?

    A question I get asked all of the time is “will bankruptcy get rid of my debts?” The answer is always a reassuring, yes, most of them. (There are a few areas everyone seems to know about that don’t ...

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  • Is a Fresno Bankruptcy Filing Unavoidable?
    Is a Fresno Bankruptcy Filing Unavoidable?

    In early 2012, the Fresno Mayor said that Fresno may have to file bankruptcy if action was not taken. The city attempted to trim costs and bring in more revenue with a plan to outsource garbage ...

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  • Should I Reaffirm My Mortgage in a Chapter 7 Bankruptcy?
    Should I Reaffirm My Mortgage in a Chapter 7 Bankruptcy?

    I get asked this question frequently. The short answer in California is “no,” but there are rare exceptions. To understand those exceptions, we need to know something about the nature of ...

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  • Will My Mortgage Servicer Continue to Automatically Take My Mortgage Payment From My Account After I File Bankruptcy?
    Will My Mortgage Servicer Continue to Automatically Take My Mortgage Payment From My Account After I File Bankruptcy?

    Many homeowners have a system with their lender where the lender automatically pulls the mortgage payment from the homeowner’s bank account. However, when a bankruptcy is filed, the automatic stay of ...

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  • Paying for Lots of Vehicles in Chapter 13 Not a Problem, Says the Ninth Circuit
    Paying for Lots of Vehicles in Chapter 13 Not a Problem, Says the Ninth Circuit

    In In re Welsh , 711 F.3d 1120 (9th Cir. 2013) , the Court decided that secured debt payments could be taken as a deduction on the Chapter 13 means test, even where those expenses might not seem ...

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