Category: Consumer Columnists

Q: I was diagnosed with herniated disc and severe anxiety. I want to request leave but want to keep my privacy at work. Do I need to tell my employer…

THIS week is Holy Week again. The whole Christian world observes the passion of Jesus Christ. In many countries, the faithful reenact the passion and suffering of Jesus. They wear…

CLIENT no. 1 is 50 years old and is the manager of a big retail store. He’s been working there for 30 years. His spouse got into an accident and…

CLIENT no. 1 is 50 years old and is the manager of a big retail store. He’s been working there for 30 years. His spouse got into an accident and…

OUR client, Teresa,* has always lived with a serious lung condition since childhood. Although Teresa knew that her condition limited her activities, she did her best to live a productive…

SLEEPLESS nights… Stressed out… Worried about the future.. Always broke no matter how hard they work…Feeling hopeless about their situation. This is what most people are going through when they…

Freak accident liability  I want to discuss the client with the freak accident first. The first client is 45. This is really a very unusual case. In fact, I have…

AS a cellphone owner, you have most likely experienced unwanted calls from telemarketers, robocallers, and spammy text messages. There are common measures you can take to minimize unwanted calls. CNN…

ANAHIT Shirvanyan, 63 years old, worked as a kitchen staff at Los Angeles Valley College (LAVC), a licensed childcare facility in Van Nuys, CA, which is part of the Los…

WHEN I say the client is young, I mean she’s in her 20s. She is married and has a toddler son. Before becoming a mother, she was working full-time and…

YOU may not like what I have to say in this article. But oftentimes, the truth hurts. But if you find yourself broke every payday because of too much debt,…

SOMETIMES debtors cannot decide whether they should seek debt relief through Chapter 7 wipeout of all dischargeable debts or consolidation and reorganization through a Chapter 13. They usually ask me…

Q: AFTER12 weeks of medical leave for a surgery, I told my employer I could not go back to work yet. One day after I was supposed to be due…

“Obviously, something else will now have to be chopped off. The credit cards have to be chopped off to free them of having topay $1400 a month. Anyway, they have…

THE U.S .Women Soccer Team (“Women’s Team”) has won a record three World Cup championships, four Olympic gold medals, and many other international competitions. It is the three-time winner of…

“ This means that most of what you are paying goes to interest alone and you may be stuck in debt for the rest of your life.” WHEN people think…

“The debtor gets to keep most, if not all of his assets, including the house, furniture, cars, retirement accounts, bank deposits etc., subject to qualifying under a system of asset…

JACQUELINE C. worked as a caregiver for ABC Senior Care at its facility in Ventura, California.  She was assigned to care for only one patient who lives at the facility….

ARE you seriously in debt and don’t know what to do? Individuals who have accumulated excessive debt are often left to ponder whether bankruptcy is their only realistic way to…

THE client is 66. He says he is now old all of a sudden. He migrated here in 2004 so that’s 15 years ago. When he deplaned at LAX, he…

SO you applied for a job. Your prospective employer may likely do a background check on you. This is true particularly for those applying in sensitive job positions. Some employers…

ARE you in debt and are starting to feel very frustrated with your situation? Do you find yourself always worried and stressed because you don’t have enough money to pay…