Category: Consumer Columnists

IS Chapter 7 better than Chapter 13? I would say generally speaking if you have accumulated debt that is too burdensome for you, Chapter 7 is better for you than…

ARE you seriously in debt and don’t know what to do about your situation? Are you afraid that unless you do something about it, thing will just continue to get…

Last year, private employers with 500 or more employees were required to provide California employees with paid sick time for COVID-19-related absences. That law, AB 1867, aimed to close the…

FIRST of all, let’s have a moment of silence for the 10 innocent victims of the shooting massacre in Boulder, Colorado earlier this week. This was another senseless killing of…

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…

IT has been over year since California declared a state of emergency due to the COVID-19 pandemic. Since then, many employees have stopped coming to their workplaces and have worked…

FIRST of all, let’s have a moment of silence in prayer for those who were killed in the massage parlors in Georgia two days ago: Delaina Ashley Yaun, Xiajie Tan,…

MOST debt problems don’t go away and solve themselves. They are there when you go to bed at night, and they’re still there when you get up in the morning….

IN 2001, Sara Alfaro became a firefighter with the San Diego Fire-Rescue Department (SDFD). Throughout her employment, she consistently performed with a rating of “above standard” or better. She has…

Different clients have different financial and asset situations, which make them start thinking about getting rid of accumulated debt. Nobody starts with borrowing money with the intention of defaulting and…

THIS has got to be the BEST NEWS for homeowners who are filing for bankruptcy to get out of debt! Given the huge job losses and high unemployment rate that…

“Each meal period must be “not less than 30 minutes,” and no employee shall work “more than five hours per day” or “more than 10 hours per day” without being…

GONE are the days when debtors — who owe lots of credit cards but have home equities that surpass the homestead exemption limits depending on age and the number of…

Jennifer Christian worked at Umpqua Bank as a Universal Associate. In late 2013, a male customer asked her to open a checking account. While this initial interaction was unremarkable, the…

HAVE your credit card debts become so large that you can’t even afford the minimum payments? Or perhaps you’re already behind and your accounts have been turned over to collections?…

DOES this sound right? It’s almost incredible, but it’s true. California Governor Gavin Newsom signed Assembly Bill 1885 into law and it is the current law on homestead exemptions effective…

Did Amazon pocket its drivers’ tips? IN 2015, Amazon launched Amazon Flex, where persons can sign up as drivers to deliver products to Amazon customers. Amazon promoted that drivers could…

YOU never know what life brings. That’s why you need divine protection from the adversities that life brings us. I told you time and again to pray the rosary and…

Q: I got a judgment for back wages from the California Labor Commissioner. But my employer filed bankruptcy and closed the business. I heard that the owners will put up…

THE word “bankruptcy” is packed with all sorts of negative emotional triggers. It sounds bad — even dirty. It’s embarrassing. (What if people find out?!) People paint ugly pictures of…

TWO very important events are happening today. The first is the start of former President Trump’s defense by his lawyers. It will be a short defense, they promise. How do…

IF you’re in debt and are considering bankruptcy as an option for you to get needed relief, perhaps just hearing the word “bankruptcy” makes you extremely nervous. Maybe the word…

Yunghui Chen worked as internal auditor for Western Digital Corporation, one of the world’s largest hard disk manufacturers in the world, based in San Jose, California. It employs over 5,000…