Category Archives: discharge

Should My Wife File For Bankruptcy Too?

Question:  I live in California and have a lot of debt from when my business failed,  My wife wasn’t really involved in the business and we want to protect her credit rating. Does she have to file for bankruptcy with me if I file? Answer: The general rule is that the bankruptcy discharge only protects…

Credit Repair and Identity Theft

One of the most common questions that clients ask me is how bankruptcy will impact their credit score. While most of my clients see at least a moderate improvement in about 12-18 months after their case is over, every situation is different. In this article, I offer a few tips that will help you maximize…

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…

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…