[COLUMN] Debt problems: How can bankruptcy protect you?
FACING difficult financial times can be a frightening thing for a lot of people. When bill collectors are hounding you, at some point, you realize that something must be done…
Category: Business
Covering the week’s most noteworthy business news impacting the Filipino-American and Global Filipino community.
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[COLUMN] Are PPP and other federal pandemic loans dischargeable in bankruptcy?
MANY self-employed individuals have relied on the Paycheck Protection Program (PPP) and other federal pandemic loans to rescue their businesses from going under. If you notice, many restaurants that we…
[COLUMN] Delivery drivers misclassified as ICS recover back pay & reimbursements
CARLOS Castellon worked as a driver for Penn-Ridge Transportation, Inc., a company that delivers the goods of major retailers (such as Best Buy) to the homes of consumers. The delivery…
[COLUMN] 4 ways filing for divorce can benefit your immigration case
Couples get divorced for various reasons. California is a no fault state. The reasons why a couple is getting divorced are often irrelevant to the issues of the family law…
[COLUMN] You can reduce your debt under federal law
ARE you struggling to pay your debts every month, especially your credit cards? Do you barely have anything left to pay your mortgage, rent, food, and other basic living expenses…
Free oil filter in exchange for your used oil filter
Attention San Fernando residents – Free Oil Filter & Motor Oil Recycling Event! We invite you to bring in your used motor oil and used oil filters for recycling. Receive…
[COLUMN] Protecting against harassment and hostile work environment
Q: I have a good employment record for this company I have been working with for more than 10 years. My employer recently hired another employee whose conduct made me…
[COLUMN] 4 ways filing for divorce can benefit your immigration case
Couples get divorced for various reasons. California is a no fault state. The reasons why a couple is getting divorced are often irrelevant to the issues of the family law…
[COLUMN] Client with $300K credit cards successfully passes UST examination
Client case is unusual. She is young at 28 and owes about $300,000 of credit cards. She used these cards to fund a “gift card” business. What’s a “gift card”…
[COLUMN] Always remember if you received stimulus refund
IT has come to my attention that several qualified taxpayers – by either lapse of memory or for some unexplainable reasons – don’t realize that they already received their Economic…
[COLUMN] What to do if you’ve been sued for a credit card debt
YOU’VE just been sued for a credit card debt after you’ve had trouble paying what you owe. After several months of getting harassing phone calls that you were ignoring because…
How three failed ventures propelled Mango King Justin Uy to succeed in life
“REAL hard work, perseverance, and focus.” Those are three of the main ingredients that helped Mango King Justin Uy in life. In an interview with the Asian Journal, Uy recalled…
[COLUMN] Terminated from work due to retaliation?
‘Poor performance’ is no excuse for employer WALLEN Lawson worked as a territory manager for two years for PPG Architectural Finishes, Inc. (PPG), a paint manufacturer. Wallen sold and stocked…
[COLUMN] Reimbursement for community contribution towards a spouse’s education and student loan during marriage
ONE of the biggest problem of millenials and Gen Z are educational cost and student loan debt. This eats up a large part of a households budget even among married…
[COLUMN] Is Chapter 7 or 13 more suitable for debtor with $50K credit cards?
Debtor also has one collection lawsuit for $10K THE client is 48 and has just been sued for $10,000 by American Express. He recently received the summons and complaint. He…
[COLUMN] How bankruptcy debt relief can get rid of your financial stress
ARE you having problems paying your debts? Are creditors calling you day and night threatening you with a wage garnishment, repossession, or foreclosure? Are you starting to feel hopeless and…
[COLUMN] Some informational tips for 2022 tax season
THE 2022 Tax Season is very much underway for tax year 2021. Due to the pandemic, there are new tax laws that were enacted like the American Rescue Plan to…
[COLUMN] Sexual assault and sexual harassment survivors cannot be forced into arbitration
Arbitration is a procedure to resolve disputes without filing a complaint in court. By signing an employment arbitration agreement, the employee agrees to adjudicate any claim against the employer before…
[COLUMN] Which is better? Chapter 7 or 13 vs. debt consolidation and debt settlement
I’VE recently gotten a couple of clients who have been on debt consolidation and are now ready to jump into Chapter 7 or Chapter 13. First, let’s distinguish debt consolidation…
[COLUMN] Preparing your estate for the COVID-19 pandemic
THE COVID-19 Pandemic is a scary reality which affects everyone globally and has shut down the global economy. Individuals over 65 are more at risk of having serious complications with…
[COLUMN] Are employees legally required to sign a ‘release’ after a firing or resignation?
Q: I WAS fired from work last week and another co-worker also quit at around the same time. Our employer told us both to sign an “exit form” and a…
[COLUMN] Bankruptcy: When you’ve done everything you can but it’s still not good enough
WHEN debts become unmanageable, bankruptcy can become an invaluable financial recovery in helping regain control over your finances. Without the “fresh start” that bankruptcy provides, it would be impossible for…
[COLUMN] Should I create a will and a living trust during this pandemic?
THE COVID-19 pandemic is a scary reality which affects everyone globally and has shut down the global economy. Individuals over 60 years old and individual that are immune compromised are…
[COLUMN] Clients with failed businesses using credit cards & business loans need debt relief
FIRST client is 34. She is recently married and now has a one-year old son. She used to be employed making a gross of $50K yearly. At the same time,…
First of its kind, a new digital bank caters to the financial needs of growing Filipino American population in US
FILIPINO Americans can now sign up for the first-ever digital bank built with their cross-border financial responsibilities in mind. BayaniPay has tied up with California-based East West Bank to launch…
County safer at work program saves LA businesses millions
In Los Angeles County, programs that have already saved small businesses millions during the COVID-19 pandemic are looking for ways to expand their outreach into underserved communities. Safer At Work…
[COLUMN] Save your small business without filing bankruptcy
Running a small business can have its perks although it’s often an all-consuming endeavor. The owner often has to wear many hats – from being a marketer, manager, and yes,…
[COLUMN] What are your options if you can’t pay your debts?
IF you’re traveling east on the 10 freeway from Los Angeles, eventually you will end up somewhere in Florida. It’s a long drive to cover about 2,800 miles, but that’s…
[COLUMN] Frequently asked questions about California’s laws on breaks
Q: I HAVE just entered the work force and I work in the service industry on 12-hour shifts. My supervisor says I am entitled to one 30-minute lunch break and…
[COLUMN] Do I have a community property interest in a house which my spouse acquired before our marriage?
Generally, in California, property acquired by a spouse prior to marriage is considered separate property under family code section 770 while those acquired after marriage are considered community assets under…