Category: Consumer Columnists

PEOPLE with debts problems are worried sick about their debts. Almost daily, clients tell me that they cannot sleep and very worried about their debts. They have long faces and…

OSFEL Andrade, an immigrant from Mexico, worked in the shipping department of Terra Universal, a laboratory equipment manufacturer in Fullerton, California when immigration agents conducted a worksite raid on June…

LIFE just happens. Sometimes even the best laid plans can go wrong. How do you respond when this happens to you?  Do you easily give up when you’re overwhelmed?  Remaining…

In America, it doesn’t matter who you are, what your race is, what your religion is, you can succeed. You study, you work, you build up business and you live…

 Q: I WORK at a service-oriented business here in California as an hourly employee. We are required to wear a uniform. We can only get the uniform from our employer…

You already know that your home is in foreclosure. You’ve received the dreaded Notice of Default.  You know that after 90 days, your lender could schedule a Trustee Sale for…

(Part 2) LAST week, we talked about the tower of Babel which is located 30 miles from the modern city of Baghdad in Iraq. We destroyed the tower with cruise…

Finding other sources of payment for the seriously injured LINDA and David Kubert were riding on their motorcycle when eighteen-year-old Kyle Best, who was driving and texting, crossed the center-line…

“I can’t believe this is happening to me. Life’s not fair. I haven’t done anything bad. Why do I feel like I’m being punished for something I didn’t do?” These…

PREVIOUSLY, we talked about Noah who was instructed by God, my God, the God of Moses and Israel, who sent His only and beloved Son Jesus Christ, to us and…

DISCRIMINATION based on disability, race, sex, or other protected characteristics are prohibited by law. The law prohibits not only intentional discrimination, but also practices that have the effect of discriminating…

A client of mine said he never saw it coming. Everything he ever wanted in life, he always purchased on credit. The “pre-approved” credit cards just kept coming in the…

3rd Case Report of California Certified PA (Public Insurance Adjuster) Jae Park   On March 2012, a homeowner of two-story single-family home in the Los Angeles County community of Rowland Heights…

YOUR father’s last will and testament gives you his IRA of $180,000. He died yesterday. Next week you file for Chapter 7 bankruptcy relief because your credit card debt of…

EMPLOYEES may experience unfair practices at work such as the non-payment of overtime or missed breaks, wrongful termination, unlawful deductions, discrimination, or sexual harassment. How can employees protect themselves against…

IF YOU are searching for debt reduction solutions, no doubt you’ve been inundated with advertisements for various debt management programs, companies and solutions. The choices seem confusing to the average…

GOLIATH was a Philistine giant who was 9 feet tall. The Philistine army had gathered for war against Israel. The two armies faced each other. Israel’s army was led by…

Q. I AM thinking of filing a wage claim against my former employer for unpaid overtime hours and breaks I was not provided. Some of my fellow employees, who suffered…

LIKE most people, you’ve probably heard a lot of negative things about bankruptcy and that how filing could be the worst mistake you’ll ever make in your life. And like…

THE situation we envision in this discussion is where you have an offer in compromise which has been accepted by the IRS then you file for bankruptcy relief. Do you…