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November 2012 Archives

Can California residents limit credit card debt during holidays?

Tis the season for gift giving. As a result, many California residents are turning to their credit cards as a way to be the ultimate gift giver. However, when the holiday season is over, the credit card debt accrued during this time of year can stick around, proving to be a substantial piece of coal in anyone's stocking all year long.

Medical debt can lead California residents to bankruptcy

Individuals in California file for bankruptcy for a number of reasons. No two financial situations are identical, and each path that brought a consumer or family to file for bankruptcy protection is unique. For many families, that path includes significant medical debt.

Life after personal bankruptcy: Best credit card options

California consumers who are facing a bankruptcy proceeding often have many misconceptions about life after bankruptcy. Among these is the fear that access to new lines of credit will be closed to them for a lengthy period of time. However, credit card options are available within just days of a personal bankruptcy discharge. Used responsibly, such accounts can pave the way for a solid future credit score.

Buying a home following a personal bankruptcy filing

California residents who are buried in consumer debt and looking for relief may find comfort in a new report that focuses buyers who are shopping for new homes following past foreclosures or personal bankruptcy filings. Real estate agents and mortgage brokers report high numbers of these 'boomerang buyers' in the market. That trend is expected to continue as many consumers reach the three-year mark that is the typical waiting period before a buyer with a history of foreclosure or personal bankruptcy can apply for a federally backed mortgage.

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Stockton Office
2111 West March Lane, Suite B 300
Stockton, CA 95207

Phone: 209-390-8877
Fax: 209-478-9954
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Tracy Office
1138 Parker Avenue, Unit B
Tracy, CA 95376

Phone: 209-800-8962
Fax: 209-478-9954
Tracy Law Office Map