Phone: 805.492.7045
Due to precautions related to COVID-19, we have expanded our options for remote consultations. Please contact our office to discuss whether a full phone consultation or video conference is appropriate for your situation.
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Phone: 805.492.7045
Due to precautions related to COVID-19, we have expanded our options for remote consultations. Please contact our office to discuss whether a full phone consultation or video conference is appropriate for your situation.

Bankruptcy Facts


Credit Card Debt & Bankruptcy

Credit cards help people achieve a lot of things. They can buy holiday gifts for multiple people, and give nicer gifts than they might otherwise be able to give if they had to save up to get them. At first, monthly payments might not seem so bad. But emergencies happen, and there is another charge. Payments go up. Interest rises. It can seem like the only way out is credit card bankruptcy. How to Get Rid of Credit Card Debt Through Bankruptcy? By the time most people start to consider bankruptcy for......

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Financial uncertainty is something that millions of people are currently facing during the Coronavirus pandemic. Those families and individuals that were living paycheck to paycheck or doing a balancing act to stay ahead may have very well fallen behind on critical payments. While waiting for economic stimulus plans or other one time payments might help in the short term, we are currently dealing with a long term problem that does not look like it is going to ease up any time soon. This leaves groups of people that are out of work......

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All about Mortgage Loan modification

Home-ownership is at an all-time high of 65.1%, but that rate is also linked to mounting mortgage costs. Americans hold an estimated $10 trillion in mortgage debt for a family residence. The average mortgage for first-time homeowners is $260,386, but the combined cost of the mortgage, utilities, and insurance can range upwards of $1,500. While the mortgage payment may be a stretch during “normal” circumstances, a financial difficulty can lead you with few options. It could be something as simple as a medical emergency, death or injury in the family, or a......

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Can a client himself file for bankruptcy?

Before we find out, how a client can file for bankruptcy himself, let’s get a better understanding of this subject for better clarity. Well, we all know that debt can be extremely frightening and can give you sleepless nights. But, don’t worry; there are legal ways to get you out of trouble and harassment that you might face from various creditors or investors. Circumstances for filing bankruptcy may vary depending on an individual basis. So let’s have a read! When an individual files for bankruptcy, they legally confirm that they are unable......

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750 credit score

One of the biggest questions, when you’re considering bankruptcy, is how it will affect your credit score, particularly if it’s a 750. You can recover your 750 credit score if or when you file for bankruptcy. First, though, it’s important to understand how your bankruptcy affected your credit score both in the short- and long-term. Fortunately, there are also solutions in Debt relief Ventura County has to offer. There are a number of steps you can and should take to recover your 750 credit score after you’ve filed for bankruptcy. Check Your Credit......

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bankruptcy affects on Credit score

Bankruptcy is a hotly debated topic for several reasons. So far this year, more than 50,000 Americans have filed for bankruptcy in the state of California. Across the US, that adds up to more than half a million people who turn to bankruptcy. The most common reasons that Americans pursue bankruptcy are because of medical debt, job loss, credit card misuse, divorce, and unexpected expenses. It may seem like the only option, but you must also consider the long-term ramifications of your decision. How will bankruptcy affect your future or affect your......

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Creditors Rights

Filing for bankruptcy offers you relief from debt when you are not able to pay it due to a certain reason. It puts a stay on your assets, meaning that your creditors will not be able to deduct any amount of money from your bank account or go after your assets. But it doesn’t relieve you from the debt altogether. You still owe it and are legally responsible to pay it either partially or fully depending on the court order. Besides, it also limits your options for getting a loan at the......

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