Category: Consumer Columnists

WHEN debts spiral out of control, bankruptcy can become an invaluable financial recovery tool in stemming the tide and getting you back on the right track. Without the “fresh start”…

The physician MEMBERS of the professions are normally doing well financially in the United States because they are highly paid for their skills. However, even with high gross incomes, wrong…

HERE is an interesting statistic from the Economic Policy Institute (EPI): In the year 2012, “the US Department of Labor recovered $280 million in back pay for 308,000 workers. That…

AS WE continue to go through turbulent economic times, a lot of people are in a state of panic and anxiety. Thousands of families are overwhelmed with the difficult choices…

IN THE last two weeks, 3 clients with state court cases in their late stages based on complaints for very large amounts arising from business transactions sought bankruptcy relief. One…

CA Supreme Court issues an answer EARLY this year, we related the plight of an undocumented worker who was terminated by his employer because of his disability, and whose fate…

WHEN an obese person weighing 500 lbs. implements steps to lose 300 lbs. and actually succeeds, people take note and are happy for that person. The reality shows call this…

A LOT of people who find themselves at the end of their financial rope wonder about how they could rebuild their finances again. Out of desperation and in an effort…

And what they can do to fight back RONALD Shephard installed garage doors for Lowe’s, a home improvement retailer that operates nearly 100 stores in California. Lowe’s offers its customers…

“If you have filed bankruptcy before, you may be wondering whether it’s possible to do it again.  Generally, the answer is that you can file bankruptcy as often as needed…

CHAPTER 13 is normally used to save a house from foreclosure. But this is not the only situation where Chapter 13 is used. When a Chapter 13 petition is filed,…

DAVID Bryant worked for 22 years for San Diego Gas and Electric as a bill collection clerk and then as a senior collector. For several years, he has reportedly complained…

THE last few years have been financially difficult for a lot of people. When the real estate marked crashed a few years ago, millions of people found themselves with a…

THE Supreme Court of the United States has often called Chapter 7 bankruptcy the “Fresh Start”. This is an accurate description of debt relief given by Chapter 7. Debtors are…

IN February 2010, Cable’s Restaurant in Woodland Hills, CA was acquired by GACN, Inc. During the acquisition, the employer promised that veteran servers Martha Aboulafia (57 years-old), Cheryl Colgin (57),…

7th Case Report of California Certified PA (Public Insurance Adjuster) Jae Park  “Should I file a claim?” Water loss at Condo unit owner/ Town house owner at Pasadena/ nearby San…

6th Case Report of California Certified PA (Public Insurance Adjuster) Jae Park In August 2012, there was flood damage in Mr. A’s mansion (with floor space of approximately 5,200 sq….

EVEN after debtor obtains a bankruptcy discharge of his debts, he might feel morally obligated to pay a debt for some reason. For example, debtor borrowed $20,000 from his “rich…

How social media postings can harm an employment case THE internet has become a powerful instrument for socializing and reaching people. Networking sites are now virtual coffee shops for meeting…

EVERY day, I meet with a lot of people who are sick and tired of being in a financial mess but they are unwilling to pay the price of being…

A FORECLOSURE deficiency is the amount you legally owe to the creditor after the property is foreclosed upon by the creditor. If a car is repossessed, the creditor takes it…