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.

Financial and Physical Fitness: The Introduction

This blog entry will be a bit different than what I might normally post.  I have never been a model of physical fitness, so my wife and I have been working to change that.  We work out several days a week at a fitness boot camp run by my cousin’s son.  In my line of…

Another Uninformed Rant Against Bankruptcy

In the past, I’ve written about why Dave Ramsey is wrong about bankruptcy.  A recent article published by Forbes by attorney Stephen J. Dunn about “bankruptcy hacks” demands a response.  Mr. Dunn’s article, laced with ad hominem attacks against bankruptcy attorneys and straw man arguments against bankruptcy, is one of the most poorly written articles…

Harassed by Alternative Recovery Management?

From time to time, I will call out specific companies for particularly aggressive or illegal collection activities.  In the past, I have written about Navy Federal Credit Union and Bank of America.  Today’s target is a local collection agency called Alternative Recovery Management (“ARM”). ARM is a collection agency located in La Mesa, CA.  Although…

Bank of America Is Not Your Friend

Although this blog article could be about any lender that has offered a loan modification to a borrower, I’m going to pick on Bank of America because of what recently happened to a potential client.  The subheading for this article could also be “do not ignore important legal notices”.  Bank of America “wants to be…

Bankruptcy, Discharged Debt and 1099 Forms

In January and February of each year, employers, lenders and businesses send out tax forms to people that need them to file their tax returns.  You might receive receive a W-2 form showing how much money you earned from a job or maybe a 1098 form sent by your mortgage lender to show how much…

Can’t Afford Attorney Fees? You Might Have Legal Insurance.

One of the hardest things facing someone who needs to file for bankruptcy is figuring out how to pay for legal fees.  Sometimes people will pay their bankruptcy fees with a tax refund.  Some people save up the money that was going toward credit card minimum payments.  For still others, they might have access to…

Relax, Twinkies Aren’t Going Away Just Yet

Not long ago, as I was watching Christian High Patriots football team deliver a 56-3 pounding to their outmatched opponent, I noticed that a lot of people were posting about the bankruptcy of Hostess Brands.  Twinkie memorials and witty posts were popping up all over Facebook.  While Twinkies may be hard to find right now,…

New California Law Increases Paycheck Protection

People with low incomes that are facing wage garnishment to pay a debt can keep a little more of their paycheck beginning July 2013 thanks to the passage of Assembly Bill 1775.  AB 1775 provides a modest increase on the amount of wages that are exempt from a wage garnishment. Under the present law, someone…

Bank Levies Just Got Easier in California (Debtors Beware)

Bank account levies in California will become easier starting in January 2013 thanks to the passage of Assembly Bill 2364.  Under the prior law, a judgment creditor seeking to sweep the bank account of a judgment debtor needed to have the papers served at the branch where the debtor had the account.  The new law…

The Bankruptcy Automatic Stay

One of the most important important reasons people file for bankruptcy is the automatic stay.  Think of the automatic as a federal court order that prohibits of any attempts by creditors to contact you or to collect a debt.  It goes into effect the moment your bankruptcy petition is filed with the court, thus it…