New California Law Limits Use of Credit Reports in Employment Background Checks

Clients often ask me if filing for bankruptcy could prevent them from getting a job.  There is a new law in California that address that issue for many of my clients.  Subject to several exceptions listed below, most California employers cannot review your credit report beginning January 1, 2012 Jobs that allow a credit check…

“Why am I Being Punished for Being a Responsible Earner, Saver, Spender and Investor?

I recently posted a request on my Facebook page and my Twitter page soliciting blog ideas and I posed the following question:  “So if you could ask a bankruptcy attorney any question, what would it be?”  The title for this blog entry is an actual question I received from a Facebook friend. While the question…

Bankruptcy as Part of Your Retirement Plan?

Filing bankruptcy as part of your retirement plan might sound odd, but it merits consideration.  It is hard enough watching your retirement investments shrink without having to worry about paying your creditors.  Bankruptcy can be an important part of your plans to retire and be self sufficient.  Let me explain. If you are approaching retirement…

An Open Letter to the American Bar Association

The American Bar Association (“ABA”) has chosen Toronto as the location its annual convention for 2011.  I mean no disrespect to neither the people of Canada nor the City of Toronto.  Canada is a trusted friend of the United States and I am told that Toronto is a wonderful city, but why is the ABA…

A Bankruptcy Roadmap and a Helping Hand

As a bankruptcy paralegal, I speak with many people who are lost, overwhelmed and confused because of their crushing debt.  They often know that bankruptcy is what they need, but they also need a helping hand and a roadmap to get started on the right path.  I am often the first voice that our potential…

Budgeting: The Principle of Half

  As a bankruptcy paralegal, I often find myself looking for ways to save money.  I’ve recently started using less of some o f my household products and you know…it works!  If someone gave you a coupon for ½ off laundry detergent would you accept it?  If you could buy your favorite brand of paper…

Coupons: Don’t Leave Home Without Them

Never leave home with your coupons!  I recently started watching the show Extreme Couponing on The Learning Channel.  The show follows people who obsessively clip coupons that save as much as 95% or more on their grocery bills.  Some of these extreme couponers are very obsessive about collecting and using coupons.  While I don’t think…

Chapter 7 Bankruptcy – How Long Does It Last?

One of the most common questions is I get about Chapter 7 bankruptcy is how long the process takes. In my experience, clients spend more time worrying about the decision to file bankruptcy and gathering the necessary paperwork than the time actually spent in bankruptcy. Once a Chapter 7 bankruptcy case is filed, it moves…

Banks to Avoid When Filing Bankruptcy

Debtors who have decided to file for bankruptcy should plan ahead to be ready for the short term consequences that might result. For some debtors, pre-bankruptcy planning may include closing bank accounts and moving their money to a different financial institution. Reasons to switch to a different bank or credit union include: Avoiding having your…

Enforcing a Bankruptcy Discharge Order

So your bankruptcy is over and you have your discharge order, but there is a creditor that just won’t leave you alone.  What happens now?  You need to go back to court to enforce the discharge order. In the recent case of Barrientos v. Wells Fargo Bank, the 9th Circuit Court of Appeals ruled that…