Married and Filing Separate in Bankruptcy, Part 1 of 3

Posted by on Mar 21, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, News | 0 comments Many married individuals contemplating filing for bankruptcy overlook certain issues when only one spouse files for bankruptcy, especially in a community property state like California. In community property states, there are special rules in place for property acquired and income earned by you and your spouse during your marriage. There are currently only ten community property states in the...
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Your Credit Report, Just How Important Is It?

Posted by on Mar 20, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, News | 0 comments Many individuals overlook the importance of regularly reviewing their credit report. Your credit report contains far more than a simple credit score number. You may be surprised what landlords and potential employers may discover about you through a simple glance at your credit report. You may also be surprised at the number of inaccuracies you find on your credit report regarding accounts you...
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Personal Bankruptcy Filings Trend Towards Chapter 7 Bankruptcy

Posted by on Mar 19, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, News | 0 comments Bankruptcy filings have risen steadily in recent years, and more and more households are finding that bankruptcy may be their best or only option in our current declining economy. With the new decline in the economic climate and soaring unemployment rates, the stigma of filing for bankruptcy is quickly fading. More American consumers today, than ever before, are filing for bankruptcy. With...
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Attorneys as Debt Collectors

Posted by on Mar 18, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, News | 0 comments Most consumers would be even surprised to find out that attorneys can be considered debt collectors under California’s broad definition of who can be considered a debt collector. Attorney debt collectors have various ethical obligations which applies even to a consumer’s spouse, parent, and guardian: If you request, an attorney’s office must provide you with the following...
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Who is a debt collector?

Posted by on Mar 17, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, News | 0 comments In our society, most people silently cringe at the mention of a debt collector simply because of the stereotypically horrifying and unethical things debt collectors seem to do in our movies and television sitcoms. Although ethical debt collectors do exist, it is the worst and most unethical debt collectors that catch our attention. Even though movies are fictional, when it comes to debt...
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Debt Problems? When to Find an Attorney

Posted by on Mar 16, 2011 in Bankruptcy, Consumer Debt, Debt Collections Defense, News | 0 comments There are a few dirty secrets the debt settlement industry doesn’t want you to know about. Then again, who can blame them? With billions of consumer dollars at stake, debt settlement companies stand to lose a fortune if they were exposed. First off, debt settlement companies are not lawyers, and your creditors know that. Having a debt settlement company negotiate with your creditors is...
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