Blogs

You have been trying for years to pay off your debts, and you are getting nowhere. It is only natural to feel demoralized. Even those lab rats that press the lever multiple times, but it gives them treats less and less often, eventually give up. Of course, you are not a lab rat, and you…

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…

In a noteworthy reversal of course from a 2008 decision, the 9th Circuit sitting en banc decided in In re Flores that a debtor couple’s Chapter 13 repayment plan must last at least five years, rejecting the couple’s proposed three-year plan. Even though the couple had no projected disposable income, because the couple had an…

Avoiding the Roadblocks to Rebuilding Your Financial Profile After Bankruptcy For many Americans, bankruptcy has served as an essential fresh start in their financial lives. Completing your bankruptcy procedure is only the beginning, however. Today, rebuilding one’s financial profile after a bankr uptcy is more manageable than in the past. As Roger M. Whelan of…

A debtor’s significant mischaracterization of a six-figure debt ultimately placed him on the hook for repaying the debt after a bankruptcy court, and the Ninth Circuit, concluded that the debt was non-dischargeable. Even though the attorney who represented the creditor knew about the debt, the debtor remained obliged to repay, because the lawyer found out…

The extreme effects of the most recent economic recession have many people facing foreclosure on their homes, as the properties’ values plummeted and the property owners’ incomes declined, or dried up altogether. After an extended period of limiting the volume of foreclosure actions, or stopping altogether, mortgage lenders are again pursuing foreclosures more aggressively. Homeowners…

9th Circuit Allows an Employee to Pursue Discrimination Action In a noteworthy departure from the rulings of other federal circuit courts, the 9th Circuit Court of Appeals gave a county employee the green light to sue her employer for discrimination, even though she originally failed to disclose the lawsuit in her Chapter 7 bankruptcy filing.…

Many of us dream of living the life of the rich and famous. With all that money, what problems could we possibly have? Well, one look at the tabloid magazines will tell us a different story, but for those of us facing mounting debt, trading in our money problems for tabloid problems might not sound…

In a landmark decision, the United States Supreme Court held in U.S. v. Windsor, that the Defense of Marriage Act or DOMA as it is commonly referred to, is unconstitutional under the Equal Protection Clause of the United States Constitution. Under the Defense of Marriage Act, marriage was defined for all federal purposes as the…

I recently did a blog about discharging student loans in bankruptcy. In that blog, I noted a 9th Circuit Bankruptcy Appellate Panel decision in which one of the Panel Judge’s called on the 9th Circuit Court of Appeals to come up with a more workable legal standard for discharging student loans in bankruptcy. Specifically, the…

The Ninth Circuit Court of Appeals case of In Re Gebhart illustrates just how high the stakes can be in bankruptcy and why it is so important that you have experienced bankruptcy counsel representing you. As an experienced Oakland bankruptcy attorney, the case of In re Gebhart is one I take very seriously. The Gebhart…

As a Bay Area bankruptcy attorney, one of the most frustrating aspects of my job is being unable to help debtors discharge their student loans. As many people with huge student loan debt already know, the 2005 change to the bankruptcy code, coupled with court decisions, have made it nearly impossible for someone to discharge…