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Subchapter V Brings Debt Relief to Small Businesses, But Only the Smallest of the Small

More than half of small businesses close down and cease to operate within five years of being incorporated, but once a business reaches a certain size, it takes on an ability to reinvent itself. If you think that big corporations can shed their debts and morph into themselves, like a snake shedding its skin or a…

Are Your Retirement Savings Bankruptcy-Proof?

You do not have to be destitute to file for bankruptcy protection. In fact, one could even argue convincingly that bankruptcy cases work better when you have substantial assets. This is why you see wealthy business owners run up lots of debts with their failed marriages and failed business ventures, discharge those debts in bankruptcy court,…

Maxed Out Credit Cards are Here Again

Gratitude is an underrated personal finance strategy. Credit card debt does not rank highly on most people’s lists of things to be thankful for, but consider this. If you have credit card debt, it means that you once got approved to open a credit card account, which means that you also have a bank account. Some people are…

Thinking Clearly About Underwater Car Loans

When people complain about the expenses and annoyances of homeownership, they can expect a derisive response from at least part of their audience. Complaining about homeownership, no matter how well the numbers back up your complaints, always comes across as sounding like a humblebrag. By complaining about the annoyances of your house, your mortgage, and your homeowners’…

Beware of Zombie Mortgages

Psychologists have long referred to people’s response to a fear-inducing stimulus as “fight or flight.” When the frightening stimulus is a notice of mortgage foreclosure, flight seems like the less futile response. If your choices are to abandon your home or dig in your heels and wait until the lender spends a tiny fraction of its immense…

Imagine Cash Benefits Instead of Housing Vouchers

Urban areas in California are among the most expensive places to live in the United States, but California also has a stronger social safety net than almost any other state. People in other states probably have it worse, but the government programs designed to protect Californians from financial catastrophe don’t feel like much relief. For one thing,…

How Risky is Debt Settlement?

Personal injury lawyers often tell injured clients that the “skate at your own risk” signs at skating rinks and “swim at your own risk” signs at swimming pools are wishful thinking; even though the sign is present, you can still file a premises liability lawsuit if you get injured in a preventable accident at a…

Too Young to File for Bankruptcy?

Filing for bankruptcy protection is for everyone, at least in theory. Everyone, regardless of age or income level, has the right to file for bankruptcy protection and discharge their eligible debts. Whether everyone should be is another matter. A bankruptcy filing is a negative mark on your credit score, so even if it grants you major relief…

Working Within Your Means to Improve Your Credit Score

You have heard all the conventional advice about improving your credit score. Take out a loan and repay it in installments. Pay your credit card balance down to zero every month. Of course, the way to do those things is to increase your earnings and decrease your expenses.  As it stands, you already spend every waking moment working,…

Filing for Bankruptcy for the Second Time

Welcome back to bankruptcy court. It has been a while. Then again, it has not been that long. Filing for bankruptcy protection can give you a much-needed reset and enable you to put the past behind you. For some people, that past is so painful that they spend the rest of their lives making every effort to…

"Melanie is the best she very responsive and helpful throughout the process everything was taken care of smoothly. If you are thinking of going through bankruptcy she is the best attorney for you. I will forever be grateful having the chance to work with her. She is very honest too."

Sandhya.

"I can't thank Melanie enough for helping me through a challenging process and doing so with incredible knowledge, professionalism and tenacity! She went to great lengths to keep me informed, she responded quickly to my questions, and communicated in terms that I could understand. I highly recommend getting in touch with Melanie should you have the need."

Carrie.

"Choosing to work with Atty. Melanie has been one of the best decisions I've ever made. She was a very patient professional to work with and attentive while providing valuable solutions to all of my concerns. If you are searching for of an Attorney who is knowledgeable, transparent, and diligent - well that's Atty. Melanie."

Marwin.

"What I liked about working with Melanie was how prompt and easy to work with she was. She made the process clear and understandable with as little stress as possible. I would work with her again and recommend her to others."

Ryan.

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