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When you are watching every penny, you sit at home and make financial calculations in your mind while other people are out engaging in leisure pursuits, or so the influencers on YouTube would have you believe, then you try to spend your free time on income-generating activities, or at least on doing things that do…

If you are bummed out about the fact that everyone in California has been in a foul mood for as long as you can remember, count your blessings. Try driving a few states east to Utah or Texas, where the older generations have managed to impress upon their daughters, even in these turbulent times, that…

In a perfect world, no one would need to use credit cards, but a perfect world is so far away that you have already maxed out one credit card with grocery purchases and other expenses that no one would consider luxuries, and now you are running up the balance on at least one other card.…

How bad your finances are is, at least partially, a matter of perspective. Sure, you don’t have any money left at the end of the month to put into savings. If you are so optimistic that you transfer a percentage of your paycheck into savings every payday, then you end up transferring it back into…

After introductory quotes from texts in Latin, Classical Greek, and Italian, T.S. Eliot’s poem “The Wasteland” begins, “April is the cruellest month.” It is true that April is not especially cuddly, but all of the months are cruel these days. It is as if the financial death toll of the Christmas holidays never ends. Chances…

It is easy to remember this during the mild, sunny winters and less easy to keep it in mind during the droughts and wildfires of summer, but we have it better here in California than people do in most other states, and not just because In-N-Out Burger is never far away. California’s minimum wage is…

What will you do when, after what seems like forever, your divorce becomes final? Will you burn your wedding photos? Will you go on Facebook and message your former in-laws to tell them how you really feel about them, or better yet, message the one that got away? Will you reinvent yourself with a new…

Everywhere you look, journalists and YouTubers are enumerating the financial woes facing the majority of American consumers, but for the most part, they are just stating the obvious. Today, a meal at Taco Bell costs what you used to pay at a sit-down restaurant when you were trying to make a good impression on a…

No matter who you are or how you end up with debts you cannot repay, you have the right to file for bankruptcy protection. If you are truthful in your bankruptcy filing and follow the legal formalities, the bankruptcy court will discharge your eligible debts, whether they arise from medical bills and loss of income…

Filing for bankruptcy comes with a fair share of complexities. For many individuals, filing for bankruptcy means a chance to start over, relieve themselves of burdensome debt, and regain financial control. However, getting a discharge of your debt may not be as easy as you think. When filing for bankruptcy, there is a chance that…

Financial struggles can be overwhelming, and it is not uncommon to experience difficulties in paying off debts and bills. However, constant financial pressure could lead to bankruptcy. Many people delay seeking help until it is too late. Bankruptcy can have an enormous impact, both emotionally and financially. For this reason, it is imperative that you…

If you struggle with debt, filing for Chapter 7 bankruptcy may be an option. However, making the decision to declare bankruptcy can be challenging, considering that there are certain assets you could lose after filing. To help you make an informed decision, you need to understand which assets are protected and which assets you could…

Chapter 13 bankruptcy is a powerful tool that can help individuals who are struggling with unmanageable debts to regain control of their finances and get a fresh start. However, filing for Chapter 13 bankruptcy means entering into a complex legal process that involves working with a bankruptcy trustee. Many people wonder if the trustee will…

Questions to Ask Yourself When Considering Bankruptcy Are you struggling with mounting debts and seemingly endless financial problems? If so, bankruptcy may be an option for you to consider. While filing for bankruptcy can provide relief and put an end to debt collectors harassing you, it is a decision that should not be taken lightly.…

Filing for Chapter 7 bankruptcy is not a decision that should be taken lightly. Filing for bankruptcy always requires careful consideration. Many people who want to get rid of their debts through bankruptcy do not know what to expect after the filing. Our Oakland Chapter 7 bankruptcy attorney at the Law Offices of Melanie Tavare can guide…