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December 2013 Archives

Debt relief for California homeowners

Christmas usually brings about holiday cheer and a large amount of debt. A law was enacted that allowed homeowners to avoid paying taxes on homes that were short sales, but that provision came to an end last year. Fortunately, California homeowners are now able to receive some form of debt relief on homes that were sold in a short sale.

Extra cash may be used to pay off California credit card debt

In some situations, it can be generally easy to get caught up with low introductory rates on credit cards. However, after the introductory period is over, many California consumers are stuck with high interest rates that lead to credit card debt. Consumers who have a considerable amount of their income left over can benefit from using the extra cash to pay down their credit cards.

Foreclosure with Chapter 13 in California?

Bankruptcy can offer a homeowner needed relief when they are underwater in debt. Many California homeowners who elect to file a Chapter 13 bankruptcy are behind on their mortgage and need time to catch up. Generally, this type of bankruptcy allows a homeowner to make affordable monthly payments for a period of time. In some cases, consumers can no longer afford their payment plan. One consumer recently wanted to find out whether someone can allow their home to go into foreclosure while already in the bankruptcy process.

Holiday spending could lead to need for debt relief

As the holidays approach, many in California are finishing their decorating, planning their holiday menus and shopping for gifts for friends and family. For those who have had financial difficulties in the past few years, this Christmas may be very different from those in years past. In many cases, the need for debt relief has placed a limit on discretionary spending, and holiday budgeting has to accommodate that fact.

California credit card debt: Reduce expenses and increase income?

It's reasonable that consumers carry credit cards in case of an emergency. However, those cards can come with a hefty price tag that may become hard to pay off. There are ways that California consumers can use their existing income to pay off their credit card debt.

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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