201601.20
0

Tax Refunds in Chapter 13 Bankruptcy

As we explained in a previous blog, a tax refund is a refund on income taxes paid to the government when your actual tax liability is less than the amount paid.  In a bankruptcy, a tax refund is considered part of the bankruptcy estate because it is an asset.  It can be used by the…

201601.19
0

Tax Refunds in Chapter 7 Bankruptcy

A tax refund is a refund on income taxes paid to the government when your actual tax liability is less than the amount paid.  It is basically an interest free loan that a working individual makes to the government throughout the year.  In the United States, tax refunds are a major source of short term…

201601.19
0

Three Rules to Rebuild Your Credit Score

Rebuilding your credit score after bankruptcy does not have to be a monumental task, as long as you follow three simple rules.  Although these are not the only rules you must follow to achieve financial prosperity, they a basic start.  Although these rules are simple to understand, they require discipline to execute. Do not miss…

201601.19
0

Replacing Child Car Seats

As parents, we all want what is best for our children.  This includes taking measures to ensure their safety.  Following a car accident, if your child car seat sustained visible damage, you would obviously want to replace it.  But what if there is no visible damage to the child car seat?  It is good measure…

201601.19
0

Settling Medical Liens

In our previous article, we discussed medical liens.  In this blog, we explore in more detail how to settle your medical liens.  You should always try to negotiate a settlement of your medical liens.  The settlement process involves making a call to the medical lien holder, and asking their representative if they would compromise their…

201601.14
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Damages for Lost Wages

If you are a gainfully employed individual who is the unfortunate victim of a car accident, you may find that your hospital and car repair bills are not the only losses.  To add insult to injury, you may actually lose income because you are unable to go to work.  For example, you may need to…

201512.26
0

Personal Injury Attorney Fees Versus Case Costs

One of the more confusing topics our personal injury clients run into is differentiating the difference between attorney fees versus case costs.  When a person files a personal injury lawsuit, he or she will incur two categories of legal expenses: attorney fees and case costs.  The sum of the two expenses will be the total amount…

201512.26
0

Bankruptcy Attorney Fees Versus Case Costs

One of the more confusing topics our bankruptcy clients run into is differentiating the difference between attorney fees versus case costs.  When a person files bankruptcy, he or she will incur two categories of expenses: attorney fees and case costs.  The sum of the two expenses will be the total price of filing a bankruptcy. Attorney…

201512.18
0

Personal Financial Management Course

The Personal Financial Management course is the latter of the two required courses you have to take when filing for bankruptcy.  Pursuant to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), consumers who have filed a Chapter 7 or Chapter 13 bankruptcy are required to complete a Personal Financial Management course with…

201512.11
0

Bankruptcy Court Districts of California

Navigating the bankruptcy court system in California can be confusing and frustrating.  Usually, the first step to filing a bankruptcy is to know which courthouse to file in.  The United States federal bankruptcy court system exercises exclusive jurisdiction over all bankruptcy cases.  This means that you must find the proper federal bankruptcy court to file…