Category Archives: Credit Card

Life After Filing For Bankruptcy Protection

Carlsbad Bankruptcy Lawyers – San Diego Bankruptcy Attorneys Another lasting myth that Carlsbad bankruptcy lawyers must dispel is that filing for Chapter 7 or Chapter 13 debt relief protection will ruin your credit for tens years or longer. This is just not true. We see hundreds of bankruptcy candidates per year in San Diego and…

Don’t Judge Those In Financial Distress

San Diego Bankruptcy Attorney – San Diego Foreclosure Attorney When consumers in San Diego seek Chapter 7 or Chapter 13 bankruptcy relief you can see in their eyes that all they want is to tell you that they are not bad people and they never dreamt they would be seeking help from a San Diego…

What To Ask Your Bankruptcy Lawyer.

San Diego Bankruptcy Lawyer – Escondido Foreclosure Attorney So often times we see people in San Diego picking their attorney based on the wrong criteria. They see flashy website and huge advertising budgets and they assume that the attorney must be good. Wrong! This is called marketing not legal competence. When you are choosing  San…

San Diego Bankruptcy Lawyer: How Long After Bankruptcy Can I Get A Credit Card?

San Diego Bankruptcy Lawyer – El Cajon Bankruptcy Attorney San Diego Bankruptcy Lawyer – when consumers in San Diego seek debt relief, one of the first questions we are asked is what will happen to my credit if I file for Chapter 7 or Chapter 13.  They also ask if they will every be able…

Bankruptcy Is Better Than Putting Your Head In The Sand

San Diego Bankruptcy Lawyer – We had a client come into the office the other day with a difficult story. A contentious divorce really left her in financial ruin. She didn’t have any income or social security. She didn’t have any assets. She had not paid on her credit card for over two years. At…

After Bankruptcy, It Is Easy To Repair Credit

Lets be honest – if you are thinking about filing bankruptcy, your credit is probably already bad or will be soon.  You are having trouble making payments on your debt.  By wiping out those debts with bankruptcy, you won’t be struggling to make payments anymore.  Now you can start to rebuild your credit (something you…

Bankruptcy Filing Stigma And Its Negative Effect On Credit

As bankruptcy attorneys we are constantly fighting the battle to explain to clients the credit ramifications of filing for either Chapter 7 or Chapter 13. So many people who really should be filing for bankruptcy do not because they fear that they will never get credit again in their lives because their credit score will…

Bankruptcy Will Allow You To Keep Some Debt

The bankruptcy code requires that a petition disclose all of the debtors assets and liabilities. But, the petition allows the consumer to designate those debts he or she wishes to continue paying on. It is not uncommon for people to continue on with certain kinds of debt. Generally, these are the most common debts we…

What Is Behind This “Walk-Away” Program?

As bankruptcy lawyers, we do everything we can to give clients the best advice.  As a busy bankruptcy law firm, we get all kinds of clients in all kinds of situations.  We also see people that, for some reason, will do everything in their power to avoid filing bankruptcy.  I am sure we have all…

How Will New Credit Card Rules Effect Filing Bankruptcy

San Diego Bankruptcy Lawyers – At the end of February, several new laws will go into place that are designed to streamline credit card issues and protect consumers. These new regulations are part of a large law called the Credit Card Act of 2009. Again, the overriding public policy is designed to take some power…