Dealing with Debt Collectors

No one wants the phone to ring if it is a debt collector calling. A call of this nature can only mean one thing: A bill is overdue, long overdue. While the knee-jerk reaction may be to run away from the problem, knowing your rights and the proper way to proceed will restore your sense […]

How Do I Pay My Credit Card | Ways to Eliminate Debt

Debt is a problem that can spin out of control if it is not taken care of properly.  As debt is allowed to grow, a person’s ability to pay it down becomes increasingly diminished because total interest increases, and minimum payments increase. How Do I Pay My Credit Card Debt Paying only the minimum payment […]

Wells Fargo Mortgage Modification | Loan Modification Wells Fargo | REST Report

As one of the largest mortgage lenders in the nation, Wells Fargo has ordered by the Federal government to offer homeowners Loan Modifications or Mortgage Modifications. Under the HAMP and MHA (Making Home Affordable), Wells Fargo has no choice but to make these programs available to homeowners, as well as “in house” Wells Fargo loan […]

Orange County Bankruptcy Attorney | OC Lawyers | OC Law Firm

As an Orange County bankruptcy attorney, people sometimes ask me whether filing bankruptcy in Orange County differs from filing somewhere else, such as Los Angeles, Long Beach or Riverside. The differences may be subtle, but there are some unique characteristics to an Orange County Bankruptcy (filed at the Santa Ana Federal Courthouse), that are different […]

Income Too Low for Loan Modification

The most common reason homeowners get turned down for a workout with their lender is: “income too low for loan modification.” It sounds backwards in that if the borrower’s income were higher, they wouldn’t be asking for assistance in the first place, but turn downs citing income too low for loan modification are unfortunately quite […]

Business Bankruptcy in California | Small Business Bankruptcy Attorney

There are many different situations which can lead to a business bankruptcy filing including a reduction in revenues, loss of customer base, increased competition and increased business costs.  Small business owners know all too well that a slight disruption in revenues can have major ramifications if not managed carefully.  Of course in some cases, a […]


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