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    Stopping Complaints from Creditors When Filing Bankruptcy

    Last updated 11 months ago

    Creditors can be particularly tenacious when faced with the possibility of not getting their money back. As a result, lenders and debt collection agencies will often stop at nothing to try to collect certain overdue loans. Bankruptcy’s automatic stay process is designed to stop these lenders in their tracks, but it does not always work.

    By law, all creditors named in the bankruptcy petition are required to stop their collection efforts as soon as the Chapter 7 or Chapter 13 paperwork is filed. However, collection agencies may not know about the proceeding and may attempt to harass you once more. If you ever find yourself in this situation, tell your bankruptcy attorney as soon as possible. Your lawyer will know that these creditors are violating the law, and he or she can help you file a legal claim against the at-fault companies.

    Are you a San Diego or Escondido resident thinking about bankruptcy? If so, the Golden State Law Group can help. We know the bankruptcy code inside and out, which allows our skilled attorney to fight for you during this complex process. Call our office today at (858) 240-2480 to learn how to discharge debt and start over.

    What Happens When You Can't Pay Your Tax Debt

    Last updated 11 months ago

    This video explores the options for those individuals who owe back taxes to the federal government. Millions of Americans can find themselves in this situation if they are self-employed, under-withholding, or failed to file taxes in the past.

    If you cannot pay back the amount owed, it is important to speak to an attorney who knows the tax code inside and out. Once you have filed your taxes, the government will send you a bill for the full amount owed, and you can begin strategizing how to pay down the amount. An enrolled agent may be able to negotiate with the IRS to bring your debt down to a manageable payment. Watch the full clip to learn more.

    Golden State Law Group attorneys have more than 35 years of experience helping Californians avoid crippling tax debt through debt negotiation and resolution. By being proactive, we help clients achieve favorable results. Call (858) 240-2480 today to schedule a free appointment at any of our three Southern California locations.

    What Are the Benefits of Working with Golden State Law Group for Your Bankruptcy Case?

    Last updated 11 months ago

    Are you drowning in debt? The bankruptcy attorneys at the Golden State Law Group understand firsthand how stressful financial problems can be, and the problem is only exacerbated by repeated collection calls and threatening notices. Our attorneys take pride in our status as the largest bankruptcy law office in the state, and we are committed to finding debt relief for each and every client. Our bankruptcy team will handle your case personally and promptly, and our experienced and trusted attorneys will analyze your specific financial situation and map out a clear plan for your next legal steps.

    The Golden State Law Group is a bankruptcy law office that is committed to providing affordable representation for all of our clients. Call our San Diego office today at (858) 240-2480 to schedule a free consultation with a team of attorneys whose unblemished records speak for themselves.

    Bankruptcy Terms: Exempt Assets

    Last updated 11 months ago

    In a Chapter 7 liquidation bankruptcy, a debtor is required to relinquish his property to a trustee so that it can be sold in order to satisfy some of all of his debts. Of course, many debtors are uncertain whether they are legally entitled to retain any of their hard-earned assets. While only your bankruptcy attorney can help you determine if any of your assets may be exempt from liquidation; in general, you will be permitted to hold on to some of your property. Exempt assets may include some clothing, household furniture, jewelry, pensions, a portion of equity in your home, and public benefits.

    The attorneys at the Golden State Law Group are dedicated to helping our San Diego area clients find permanent solutions for debt relief. Call our bankruptcy law office today at (858) 240-2480 to find out how we can help make your legal representation affordable through convenient payment plans.

    Considerations to Make When Your Spouse Is Filing Bankruptcy

    Last updated 11 months ago

    Many Americans mistakenly believe that a spouse cannot declare bankruptcy as a single party. Fortunately, in many cases, even a married individual can successfully discharge his debts without his partner being forced to declare bankruptcy. Here are some points to consider with your attorney when your spouse is filing for bankruptcy.

    Type of Bankruptcy The status of your own accounts depends on the type of bankruptcy your spouse files for. Chapter 7 is usually recommended if you cannot currently pay the debts owed and will not be able to in the foreseeable future. But your attorney may recommend a Chapter 13 filing if you are overwhelmed by your current financial obligations but still have a steady stream of income. A Chapter 13 filing basically reorganizes your finances as you work out a more feasible repayment plan.

    Individual Debts A Chapter 7 bankruptcy may eliminate your spouse’s credit card debts, but her filing cannot list credit cards that are only in your name. If she elects to file for Chapter 13 relief, she may list all credit card accounts. In this approach, a trustee will determine a monthly payment plan, and all listed debts will be eliminated after 36 to 60 months. But you must pay all creditors in full, or you may still be liable for the debts afterwards.

    Community Property Can creditors pursue you even after your spouse files for Chapter 7 relief from the debts in her name? It depends. Because California is a community property state, you may still face lawsuits and judgments even if your name is not on your spouse’s credit cards. Consult with your bankruptcy attorney about your best legal plan to avoid being aggressively pursued by lenders.

    The Golden State Law Group is dedicated to making discharging your debts efficient, effective, and as painless as possible. If you live in San Diego, Mission Valley, or Chula Vista, you can find out which legal option is best for you by scheduling a consultation with our bankruptcy, lien strip, and debt relief attorneys. Call us at (858) 240-2480 to learn how we can help.

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