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If you are using the CCP 703 series of exemptions you can use the wildcard exemption on any assets in the amounts allowed by that statute.  The amount depends on how much of the wildcard you used ...Read more

The car is the tricky part of the question. As you inquired about a filing, the assuption is that no refiling timeline needs to be addressed. If you have been sick and unable to pay bills, the presum ...Read more

It depends on what is being filed and what was filed before.  Basically, there is 8 years between Chapter 7 filings.  If the prior filing was Chapter 13, the wait is 4 years.  The bet ...Read more

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Bankruptcy Success Stories

Surviving bankruptcy may take time, but many people have recovered and gone on to have financially successful lives. It may take several years to complete the process, but patience and assistance from ... Read more

So you want to discharge your student loans

A debtor seeking a COURT ORDER that his/her student loans are dischargeable bears the burden of proving that repayment of the loan will impose an undue hardship.  To obtain this court order the d ... Read more

How can I eliminate my debt for my repossessed van?

Q: I lost my job and suffer from medical conditions. I was behind in payments and just gave up. They took it out of my doctor’s parking lot, and I had to walk home. A: Your options are to defend ... Read more

How can I eliminate my debt for my repossessed van?

Q: I lost my job and suffer from medical conditions. I was behind in payments and just gave up. They took it out of my doctor’s parking lot, and I had to walk home. A: Your options are to defend ... Read more

What is a 341 Meeting?

What is a 341 Meeting? A meeting of the creditors, or a 341 meeting, is something every bankruptcy filer must go through in order to have their debts discharged.  In a nutshell, you will be asked ... Read more

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