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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…

Most people file for bankruptcy because they are overwhelmed with debt and need a fresh start. However, it is important to be completely open, honest, and careful throughout the bankruptcy process. An omission or a false statement made during the bankruptcy can amount to bankruptcy fraud, which is a crime with serious consequences. Dishonest behavior…

Bankruptcy exemptions are an essential part of the Chapter 7 or Chapter 13 Bankruptcy process. In Chapter 7 Bankruptcy, exemptions are important because they determine what property the debtor is allowed to keep and what property the debtor must liquidate in order to satisfy his or her debts. In a Chapter 13 Bankruptcy, creditors must…

Understanding the difference between secured and unsecured debts is central to understanding the bankruptcy process. Chapter 13 and Chapter 7 Bankruptcy treat secured and unsecured debts differently. Secured debts generally survive the bankruptcy process, whereas unsecured debts are typically wiped away at the end of the bankruptcy. Often, whether a debt is secured or unsecured…

Hayward Bankruptcy Filing Lawyer For most people, filing for bankruptcy is an intimidating and confusing process with complex legal and financial details. However, it is important that the bankruptcy filing is complete, accurate, and in good faith. An improper filing can result in expensive delay or dismissal. If you are considering filing for Chapter 7…

If you are behind on your car payment or mortgage payments and need some time to get your finances in order, bankruptcy’s automatic stay protections may be able to help you. The automatic stay is one of the benefits that those who file for Chapter 7 and Chapter 13 Bankruptcy receive. Although it does not…

If you are considering filing for bankruptcy, you may be wondering whether you qualify for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy. Not everyone is eligible for bankruptcy. For example, there are certain income restrictions on who can file for a Chapter 7 Bankruptcy. Many of these restrictions can be complex and depend on where…

A common concern that debtors who file for bankruptcy have is whether they will lose their assets. Many people know that bankruptcy allows a debtor to eliminate much of their debt, but are unsure about exactly how bankruptcy will affect their house, car, retirement plan, or other important assets. Frequent questions debtors ask when considering…

If a person who files for bankruptcy has made payments or transfers to a creditor within a certain period of time prior to the filing, the Bankruptcy Trustee may be able to invalidate the transfer and recover the money. These types of transfers are called preferential transfers. For many people who file for bankruptcy, preferential…

Oakland Bankruptcy Court Attorney Feel Confident Going To Court With The Right Attorney At the Law Offices of Melanie Tavare, we understand that any legal proceeding can be stressful. Having to appear in front of a judge can be overwhelming, but having an experienced attorney who knows the local court culture goes a long way…

Oakland Meeting of Creditors Send An Experienced Attorney To Court With You Appearing in front of the Bankruptcy Court can be a daunting experience and that is why it is important you have a knowledgeable bankruptcy attorney representing you through your bankruptcy process. Bankruptcy lawyer Melanie Tavare has worked on thousands of bankruptcy cases and…