[COLUMN] Vicarious liability
Vicarious liability is a legal doctrine under which parties can be held indirectly liable for an incident and/or injury, even though they did not cause it. Where vicariously liability is…
Category: Consumer Columnists
Read More
[COLUMN] I received a notice of default / pre-foreclosure notice. What should I do?
A Notice of Default (NOD), also known as a Pre-Foreclosure Notice, is a notice sent to a homeowner when they have defaulted on their mortgage payment at least 3 months…
[COLUMN] The bucket list: Whip up your signature dish
5th of a series [SELECT a handful of those things in your bucket list that have the highest chance of coming to fruition given your time frame. In tech speak,…
[COLUMN] Part 2 of 3: Trading strategies for technical analysis
1. Use moving average crossover strategy. • Buy when its 50-day simple moving average crosses above its 200-day simple moving average. • Sell when the short 50-day SMA drops back…
[COLUMN] Your rights at work after a personal injury
Q: I WAS badly injured in a recent car accident. I had to undergo multiple surgeries. I missed several weeks of work and will need more time off for treatments….
[COLUMN] When Chapter 13 is safer than Chapter 7
WHAT is the meaning of the title of this article? Does this imply that Chapter 7 is risky such that Chapter 13 is safer in certain situations? Yes, that’s exactly…
[COLUMN] Uninsured and underinsured motorist coverage
WITH so many drivers in California driving without valid insurance coverage, it is important to make sure that your insurance policy includes uninsured motorist coverage. Your insurance agent is the…
[COLUMN] If you’re thinking of filing for bankruptcy
A LOT of people in debt often already know what they need to do once they realize that bankruptcy is their only way out. But they usually delay the decision…
[COLUMN] Part 3: Technical analysis for stock trading
Part 3 of 4 Technical analysis is the study of historical market data including price and volume. It helps long-term investors time their entry (buy) or exit (sell). If timing is off, gains will…
[COLUMN] When ‘voluntary’ work off-the-clock should be paid
Q: I WORK in healthcare where there is a strict policy of no unapproved overtime, and no going on breaks unless we have a reliever. We are forced to skip…
[COLUMN] Wrongful death
WHETHER a loved one dies as a result of an auto accident, pedestrian accident, motorcycle accident or an elderly loved one dies as result nursing home neglect/abuse, it is non-economic…
[COLUMN] Converting Chapter 7 to Chapter 13
The question of course is why would anyone need to convert his Chapter 7 case to Chapter 13 when the former is a total wipeout of debt, while the latter…
[COLUMN] Filing bankruptcy: Lose your debt, not your assets
Filing bankruptcy can be a big decision that most people put off until they realize that they have no other way out of debt. Unfortunately, however, sometimes people wait too…
[COLUMN] Act now to get affordable home internet
By Rachelle Arizmendi With over 4 million people in the United States, Filipino Americans are the 3rd largest Asian American group in the county. In California, we are the largest Asian…
[COLUMN] Insurance companies taking advantage of you
IT is no secret that the insurance industry wants claimants to be unrepresented in order to take advantage of them with lowball settlement offers and unfair denials of liability. For…
[COLUMN] How are payments for missed meal or rest breaks computed?
California Supreme Court issues new ruling FOR two years, Jessica Ferra worked as a bartender for Loews Hollywood Hotel, LLC. Loews paid Ferra hourly wages as well as quarterly nondiscretionary…
[COLUMN] Technical analysis for stock trading
Stock traders use fundamental analysis and technical analysis to buy stocks. Fundamental analysis involves looking at a company’s business metrics such as revenue, earnings and debt. Technical analysis involves looking only…
[COLUMN] CARES Act and supplements modify BK code temporarily to help debtors affected by COVID
The CARES Act is federal legislation that was adopted after the pandemic to help our country and people survive the pandemic created unemployment, businesses losses and financial hardship. It provided…
[COLUMN] Credit card debt problems? How bankruptcy can help
DO you have sleepless nights worrying about your credit card debts? Are you feeling hopelessly trapped with no way out? If you are up to your eyeballs in credit card…
[COLUMN] Investing in value stocks
Growth stocks are expected to grow sales and earnings at a faster rate than the market average. Growth stocks have a history of strong revenue growth and projected strong revenue…
[COLUMN] Can employer fire employees in a post-COVID ‘reorganization’?
Q: I work for a mid-size company in Los Angeles. Because of the COVID pandemic, I, together with half of our work force, worked from home for over a year….
[COLUMN] Pedestrian accidents
A PEDESTRIAN is crossing a typically busy street in a marked mid-block crosswalk. A car approaching the crosswalk in the slow lane sees the pedestrian crossing and stops for the…
[COLUMN] Break the shackles of debt after COVID
A PEDESTRIAN is crossing a typically busy street in a marked mid-block crosswalk. A car approaching the cross walk in the slow lane sees the pedestrian crossing and stops for…
[COLUMN] Starting a new life after bankruptcy
IF you are in debt and are seriously considering bankruptcy as an option, I am sure a lot of thoughts are going through your mind. I just want to get…
[COLUMN] Investing in value stocks
Investors who use fundamental analysis are often broken into two categories: Value investors place a higher priority current stock price. Growth investors place a higher priority on the future prospects. Let’s discuss Value…
[COLUMN] Traumatic brain injury
TYPICALLY, traumatic brain injury cases arise in personal-injury cases involving the negligence of a third person. These types of cases arise from motor-vehicle accidents, vehicle-pedestrian accidents, injuries arising from a…
[COLUMN] Debtor owes $100K credit cards, spouse owes $30K: Single or joint bankruptcy filing?
THE debtor is 50, while the spouse is 48. They have two children — a son aged 18, and a daughter aged 16. The son is about to go to…
[COLUMN] Fired employees must be given final paycheck immediately
Q: Four weeks ago, I was fired from work. My employer told me my last paycheck will be mailed to me by next payday. I have not received it yet….
[COLUMN] Are you trapped in debt with no way out?
BEING in debt and doing nothing about it can have more serious consequences than you think. First of all, it can impact your financial future. Uncontrolled debt can deprive you…
[COLUMN] Can I obtain a divorce if my spouse refuses to sign?
THERE seems to be a misconception in the general public that you can only obtain a divorce in California if your spouse will sign the divorce papers. I get this…