Latest Blog Posts for California Bankruptcy Blog

• Paying Less For Your Vehicle In A Chapter 13 Cramdown
  on Jul 7, 2014
  A Chapter 13 bankruptcy allows you to pay less for your vehicle by cramming down the value of your vehicle to the fair market value. HOW DOES "CRAMDOWN" IN A CHAPTER 13 WORK? If you owe more on your vehicle than it is worth, AND IF you go...
• Do I Have to File Personal or Business Bankruptcy?
  on Jun 23, 2014
  Whether you or your business needs to file for bankruptcy is not always clear cut? There are a number of factors that can affect whether you or your business should file for bankruptcy. These include the business form, liability for business debts, a...
• Can You Discharge An SBA Loan in Bankruptcy?
  on Jun 13, 2014
  Yes, SBA loans can be discharged just like any other business loan. (This assumes that the loan was not incurred fraudulently, for example, through misrepresentations on the credit application; if so there may be a risk that the discharge would be ch...
• How to Keep Your Tax Refund In a Chapter 13 Bankruptcy?
  on Jun 8, 2014
  If you are anticipating a tax refund in a Chapter 13 bankruptcy, is there a way to keep this refund for unexpected expenses? In a Chapter 13 bankruptcy you are pledging all of your disposable income into the plan and generally do not have a cushion f...
• Will My Co-Signer's Credit Be Affected If I File for Bankruptcy?
  on Jun 4, 2014
  You may well be hesitant to file a bankruptcy case for your own benefit if that means trashing your co-signer's credit. The good news is you CAN protect the co-signer from bad marks about your bankruptcy in his or her credit report. This is becau...
• Car Operating Expense of $200 Not Allowed by 9th Circuit BAP
  on May 24, 2014
  The Bankruptcy Appellate Panel of the 9th Circuit recently rejected the argument that deducting the $200 older vehicle expense was allowable. The BAP inIn Re Leudtke founds that the IRS National and Local Standards do not allow for the deduction of a...
• What Should I Expect At My Reaffirmation Hearing?
  on May 21, 2014
  When you sign a reaffirmation agreement for a secured debt or any other debt, the matter will be set for hearing if your attorney did not sign the agreement. Many attorneys will not sign a reaffirmation agreement, because of concerns with your budget...
• Do I Have to Reaffirm My Vehicle in California?
  on May 20, 2014
  In California, and in all of the states bordering California as well as much of the rest of the country, a vehicle lender has the right to repossess a vehicle as soon as the bankruptcy is completed even if the debtor is current on monthly payments an...
• Reaffirming Your Vehicle in A Chapter 7
  on May 19, 2014
  WHAT'S A REAFFIRMATION AGREEMENT? If you have loan on your vehicle and the lender is a lienholder on your vehicle's title, and you are thinking about filing bankruptcy, you need to know about reaffirmation agreements, and whether or not shou...
• My Credit Report Does Not Show Mortgage Payments After Bankruptcy
  on May 16, 2014
  After filing for bankruptcy, you may have noticed that your monthly mortgage payments are not being listed on your credit report. Instead you will see the account listed as "Included in Bankruptcy", with no further notations on the monthly...

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