This Week in Consumer

Atty. Larry Yang

Atty. Larry Yang Lawrence Bautista Yang specializes in bankruptcy, business, real estate and civil litigation and has successfully represented more than five thousand clients in California.

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Columns Archive

Business owner files Chapter 7 due to $1-M labor lawsuits

THE client is 65. He operates a service-oriented business with three outlets in strip malls. He has been in business for eight years. Of the three outlets, two are losing money, while the third has some profit that subsidizes the … Continue reading

March 17, 2018

Client seeks Chapter 7 relief again for $48K in credit card debt

WHO said that, first is chance, twice is coincidence and third is habit? I have two new clients who are actually previous clients. The first is 55 and she filed jointly with her husband 12 years ago for Chapter 7 … Continue reading

March 14, 2018

All about the fair debt collection practices act 

THE Fair Debt Collection Practices Act (FDCPA) is a federal law that was enacted in 1978 by the United States Congress to protect consumers from abusive debt collectors. Note, however, that the FDCPA applies only to third-party collectors who collect … Continue reading

March 03, 2018

Senior seeks Chapter 13 protection for fully paid house from $15K in credit card debt

THE client is a young senior in his early 60s who took an early retirement last year. He owes $15,000 of credit card debt and nothing else. He has a community property house that is fully paid with a current … Continue reading

February 24, 2018

Repo deficiency causes senior to seek Chapter 7 relief

THE first client is 75 years old. Her husband passed four years ago and left her with $30,000 of credit card debt. She has been making minimum payments on their credit cards for the last 15 years as far as … Continue reading

February 10, 2018

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