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October 2013 Archives

Stop creditor harassment in California through text messages

Sister collection agencies have received a large fine after sending millions of text messages to consumers for debts owed. Under the law, expressed consumer consent is needed before texts are sent. California consumers can avoid these types of debt collection practices and stop creditor harassment.

California personal bankruptcy versus debt settlement

Negative financial circumstances can sometimes lead people to financial disaster. In order to keep their heads above water, some California consumers resort to filing personal bankruptcy. In some instances, creditors may offer to settle the debt for a fraction of what one may owe.

California bankruptcy may temporarily stop foreclosure

There are a variety of reasons as to why many struggling homeowners have been faced with foreclosure. In some instances, bankruptcy is filed during the foreclosure process. Filing bankruptcy may also temporarily stop foreclosure in California. An individual who files a petition during that time is granted what is known as an automatic stay.

California consumers can rebuild credit after personal bankruptcy

Some of the top reasons for filing bankruptcy are due to medical costs and sudden job loss. Many California consumers may be reluctant to file personal bankruptcy because it stays on their credit for a certain amount of years. There are ways consumers can rebuild their life after the debts have been discharged.

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

Phone: 209-390-8877
Fax: 209-478-9954
Stockton Law Office Map

Tracy Office
1138 Parker Avenue, Unit B
Tracy, CA 95376

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