I have been seeing more and more people with HOA issues. HOA’s can foreclose against a property. HOA attorney’s like Fiore Racobs and Power do exclusive HOA work and rack up very large attorney fees on behalf of HOA’s when people are in default. Filing Chapter 7 bankruptcy will wipe…
California has had some decent growth in property values lately with the lowering of interest rates, investors buying homes, and some people trying to get into a hot market before interest rates go up. This has been somewhat a good thing for housing prices. If you are considering filing bankruptcy…
If you are struggling with Debt and on the fence about filing bankruptcy and you own a home, now might be the time to really consider the window. In California an individual gets an exemption of 75k or 100k for a married couple. Once you get above that equity your…
Tallk to an experienced chapter 13 bankruptcy attorney who practices regularly in Riverside County.
Tax refunds for many chapter 7 clients become the tool that allow them to straighten out there financial affairs. For more and more people straightening out their affairs means discharging unsecured debts and wiping out minimum monthly fees that can strangle a budget. Getting the lump sum money in February…
Raymond Lee sues a lot of people in southern california and in Riverside county where I typically practice. Most cases in my jurisdiction are heard in Indio and are often brought by American Express who sends a lot of there accounts to Zwicker and Associates. You have many options in…
When looking at whether you qualify for bankruptcy as a chapter 7 or chapter 13 the size of your household makes a big difference. Chapter 7 allows you to not pay any money back to creditors whereas chapter 13 requires that you do a payment plan that last either 3…
When you have assets that are above the amounts that the california exemptions in chapter 7 are able to protect, it puts property that you have in potential risk of being liquidated. Something that most people don’t understand though is that you have the option to buy it back from…
Almost 4000 default notices were mailed out in May 2012 making Riverside County the county with the most foreclosures in California. This is a 12% decrease from March and a lot better than last year but suggests as I know first hand, that things are getting much better and the…
When it comes to a chapter 13 payment plan for my clients who are well over the median income and clearly have enough money to pay something to creditors it is clearly a balancing act between a debors attorney and the chapter 13 trustee. The means test determines what a…