Author Archives: Carl Starrett

Carl Starrett is a consumer bankruptcy attorney in San Diego, California helping debtors file for protection under Chapter 13 and Chapter 7 of the Bankruptcy Code.

Car Loan Modifications in Chapter 13 Bankruptcy

Do you have a bad car loan? If your car is worth less than what you owe, it might be possible to use Chapter 13 bankruptcy to lower your balance or interest rate. If other words, you can sometimes “cram down” the principle balance of the loan. Car Loan Cramdown Basics It is commonly believed…

The Hazards of Debt Consolidation With LoanMe

In recent weeks, a lender based in California called LoanMe started flooding local radio stations with advertisements for debt consolidation loans. LoanMe offers unsecured personal loans up to $100,000 and unsecured business loan up to $250,000. Their commercials usually portray a house wife or business owner stressing over credit card debt, offering the appealing simplicity…

Fix the Hole First, Then Bail the Water

You’ve read in the past about signs that might warrant delaying a bankruptcy.  In this article, I want to focus more on unresolved addiction or behavioral issues. Sometimes you need to fix the hole in your boat before you can get rid of the water that’s in it. When I review a client’s matter for…

Putting Your Tax Refund To Good Use

For many bankruptcy attorneys, the first quarter of the year is often a busy time.  Getting out of debt is a popular New Year’s Resolution and bankruptcy attorneys often encourage clients to use their refunds to pay their legal fees for a bankruptcy filing. While doing some research for this article, I read a number…

Tips For A Sane College Tuition Plan

< I recently came across an article about extreme ways to pay for college.  The article offers tips that are out of reach for most people, but I am the parent of a high school senior and wanted to offer a few things that I have learned. While I usually write about bankruptcy-related topics, financial…

5 Signs That You Should Wait to File Bankruptcy

A few years ago, I wrote an article called 5 Signs That It May Be Time to File Bankruptcy.  It proved to be very popular and a number of my colleagues requested permission to use in on their websites.  There are also instances when the timing of a bankruptcy filing is nearly as important as the…

The Hazards of Tribal Payday Loans

A few years ago, I appeared on a local news station to discuss the problems payday loans: The interest rates on payday loans can often reach 365% or more.  You can read more about the pitfalls of payday loans in this article that I wrote after doing the television interview. What I recently discovered is…

Consumer Alert: Sun Diego RV and Rice RV

A client recently reported to me a billing dispute and deceptive business practices by Sun Diego RV which is also known as Rice RV.  According to its website, Sun Diego is an RV parts, service and rental business.  Sun Diego enjoys an “F” rating with the Better Business Bureau (“BBB”) and a 1.5 star rating on Yelp….

Financial and Physical Fitness: Day Twenty One

This is part of an ongoing going series about eating better by avoiding fast food during September and setting aside money under a forced savings plan.  Click here to read the introduction and click here to read other stories in the series.  Lisa and I will be sharing our experiences and what we learn during this experiment. Savings:  $21 transferred to…

Financial and Physical Fitness: Day Twenty

This is part of an ongoing going series about eating better by avoiding fast food during September and setting aside money under a forced savings plan.  Click here to read the introduction and click here to read other stories in the series.  Lisa and I will be sharing our experiences and what we learn during this experiment. Savings:  $20 transferred to…