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What You Should Know About Junk Debt Buyers

By Rounds & Sutter LLP |

If you’ve had a debt sent to collections, you may have encountered a junk debt buyer. These companies use underhanded tactics to either intimidate debtors into paying or into paying debts that should already have been dead. If you suddenly start getting calls, letters, or legal notices about an old debt to some company you’ve… Read More »

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Is Getting a Loan Modification a Good Idea?

By Rounds & Sutter LLP |

If your mortgage is underwater, you might be considering all of your options for dealing with debt. Obtaining a loan modification can sometimes help you get back on your feet. However, loan modifications are not available to every borrower, and they don’t always present the best solution even when available. Continue reading to learn about… Read More »

Business people are stressed about credit card debt and many bills on the floor. Men get trouble by calculating monthly expenses and then budgeting not enough money for paying debts.

Ways to Get Out of Debt

By Rounds & Sutter LLP |

According to a 2021 CNBC report, the average American owes more than $90,000 in debt. It’s easy to get bogged down with medical costs, credit card debts, mortgages, car loans, and other bills. If you’re dealing with mounting debt like millions of other people across the country, know that there’s a pathway to relief. Below,… Read More »

How long does bankruptcy stay on credit report

How Long Will Bankruptcy Affect My Credit?

By Rounds & Sutter LLP |

Many people are hesitant to file for bankruptcy, even when it would be the best option to relieve their debts, because they are concerned about the damage bankruptcy can do to their credit score. While bankruptcy does affect your credit, the damage is only temporary. Below, we discuss how long a bankruptcy will remain on… Read More »

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Statute of Limitations for Debt

By Rounds & Sutter LLP |

Debt can feel like a burden that follows you for life. It can impact your credit, sap your resources, and make it more difficult to buy a home, obtain secondary education, or even get a professional license. Creditors are, however, subject to certain legal limitations. If you get a call about a very old debt… Read More »

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Top Causes of Business Debt

By Rounds & Sutter LLP |

Businesses need substantial funds to operate. New businesses, especially, require a lot of investment right away in order to establish the basic structure of the company and for business operations. It’s easy for a new business to incur debt after debt, causing the company’s profits to decline and ultimately leading to bankruptcy. Below, we discuss… Read More »

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Can I Convert My Chapter 13 Bankruptcy to a Chapter 7?

By Rounds & Sutter LLP |

Chapter 7 and Chapter 13 are two very different forms of bankruptcy, each with their own requirements, advantages, and disadvantages. Many debtors find that although one form of bankruptcy seemed optimal at the time of filing, changes down the line have created new challenges. Bankruptcy courts allow for the conversion of bankruptcy from one chapter… Read More »

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Regular Smog Test vs. STAR Smog Test

By Rounds & Sutter LLP |

California’s Bureau of Automotive Repair (BAR) licenses automotive repair stations to conduct SMOG tests and repairs. The state also offers special licenses to certain smog check stations that opt to be part of the STAR Program. For vehicle owners, the difference between a smog check and a STAR smog check can be confusing. Below, we… Read More »

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Nine Tips to Repairing Bad Credit and Getting Back on Track

By Rounds & Sutter LLP |

Having bad credit can keep you from accomplishing some of your important financial goals, including purchasing a home or a vehicle. Even if you are not looking to make a big purchase, having bad credit can often bring with it a level of stress that only grows over time. If you are dealing with bad… Read More »

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How to Avoid Bankruptcy Fraud in CA

By Rounds & Sutter LLP |

Bankruptcy fraud is an incredibly serious allegation. The consequences for bankruptcy fraud can range from simple denial of the bankruptcy discharge all the way to felony criminal charges, depending on the nature and severity of the conduct. If you are planning to file for bankruptcy, it’s important to follow all appropriate steps and adhere to… Read More »