Category: Business

I BELIEVE that the housing market will improve moderately in 2013, but nobody will mistake this for a boom. A favored 3-5% growth and appreciation definitely is better than a…

SECTION 707 of the bankruptcy code provides for the court’s authority to dismiss a bankruptcy case for abuse. What kind of conduct amounts to abuse of bankruptcy law by the…

FOR years, special interest groups funded by big business have been perpetuating the myth of “litigation explosion” to justify limiting the legal rights of consumers. Under the guise of “tort…

WE HAVE earned a right to vote here in this great nation. We should all make time to exercise that right and study the issue and vote according to our…

IMAGINE you won the new Prius in your church lottery. Instead of keeping the car, you sold it for $25,000. You use the $25,000 to pay down the mortgage on…

A LOT of people end up filing bankruptcy when they get to the point of feeling hopeless about their financial problems. Despite what others may think, there is no shame…

IN 2008, the California State Controller’s office led a multi-state audit of the practices of 21 national insurance companies, to determine these companies’ compliance with state unclaimed property laws.  California’s…

ADVANTAGES of home sales for 2013 is that there will be fewer short sales and hopefully more regular listing coming back on the market.  Lenders have pulled together finally and…

YOU know what a stockbroker is and what he does for a living, right? A stockbroker recommends what stocks to buy and sell to his client, and he makes a…

CONTRARY to what others may think, the majority of people who file for bankruptcy are honest, hard working people who simply need to get a fresh financial start.  Because life…

Q: AS an employee for a service provider company, I am paid an hourly rate and an additional piece rate if I respond to customer calls after hours. I often…

FROM my article last week, I got a few more homeowners calling about the same scenario, I thought of researching more of how you can research and find out if…

SCHEDULE J of the bankruptcy petition shows the actual monthly expenses of the debtor. This is different from the means test which specifies the allowable deductions of debtor using IRS…

CHAPTER 13 debtors are able to “strip” junior liens on their residences if there is no equity supporting the lien. To illustrate, debtor owes $100,000 of credit card debt, owns…

IF YOU have serious debt problems, you may feel depressed and alone. It may seem like the end of the world. Your self-esteem may have suffered. You may feel angry,…

IN 2006, Filipino nurses at the Delano Regional Medical Center in Delano, California were called to a meeting and told they were not allowed to use their native language at…

I TOLD you I would always keep my eyes and ears widely observant for potential homeowners getting any kind of mortgage debt balance reduction. I also mentioned that I felt…

ROBERT Collins had applied for an officer’s position with the Maryland Department of Public Safety. Collins narrated that during the job interview, the human resources personnel interviewing him asked for…

EVERYONE knows that the mortgage rates are really at its Historic Lows, we are talking about 3.25%- 3.5% for your 30 years fixed rate mortgages. I noticed that these are…

LET’S say that you’re a man who loves women and you own a business distributing lingerie. You require all your women employees to wear the company’s products in the office….

ARE you being harassed by your creditors day and night due to unpaid bills? If you are, you know that this is a pretty unpleasant experience. You may feel scared,…

A FEDERAL jury in Los Angeles recently awarded a former supervisor of the United Parcel Service, Inc. (UPS) more than $18 million in damages after he was fired for filing…

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…