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How Coronavirus Can Affect Your Bankruptcy

By Rounds & Sutter LLP |

The COVID-19 coronavirus pandemic has led to significant economic hardship for millions of Americans. For many Americans already struggling with debt, the pandemic only made things worse. State and federal governments have offered some economic relief, however, in light of the pandemic, which might ease the burden even for debtors who were already in the… Read More »

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What is a Charge-Off Debt?

By Rounds & Sutter LLP |

Credit reports contain a variety of entries littered with legal and financial jargon. It can be difficult to know what each entry actually means, and what effect each entry has on your credit score. Many debtors who are struggling with payments discover that one of their debts has been converted into a “charge-off debt,” but… Read More »

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Does Bankruptcy Clear Tax Debt?

By Rounds & Sutter LLP |

Bankruptcy can be a vitally useful legal tool for consumers trying to get out from under crippling debt. Certain types of debts, however, can be more difficult to clear than others. How do state and federal taxes factor into a bankruptcy proceeding? Can they be discharged, or are they non-dischargeable in bankruptcy? Continue reading for… Read More »

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How to Stop Wage Garnishment in California

By Rounds & Sutter LLP |

Wage garnishment adds insult to injury when it comes to debt: A court order requires the debtor’s employer to withhold a portion of the debtor’s income and send it directly to the creditor. Debtors already struggling with debt lose the ability to even decide what to do with their paycheck. If you are facing wage… Read More »

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Top Provisions to Include in Corporate Bylaws

By Rounds & Sutter LLP |

California law requires corporations to establish and maintain a set of bylaws that dictate corporate governance. California does not require corporations to file these bylaws with the state, but they must be prepared and kept at either the executive offices or the corporation’s principal place of business. Below, we discuss some of the key provisions… Read More »

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LLC vs Corp in California

By Rounds & Sutter LLP |

One of the first and most significant decisions you will need to make when starting a business is choosing a corporate structure. If you plan to incorporate in California, you have several options available to you. Each type of corporate structure has advantages and drawbacks, and the optimal structure for you will depend on the… Read More »

Speaking Together

Are Verbal Contracts Legally Binding?

By Rounds & Sutter LLP |

We’ve all heard the old adage that “a man is only as good as his word.” Some people still like to reminisce about the “good old days” when a person’s “handshake was as good as a contract.” As business law attorneys with years of experience representing clients in commercial litigation and other disputes, we are… Read More »

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California Modifies Homestead Exemption

By Rounds & Sutter LLP |

California Governor Gavin Newsom recently signed into law a bill that significantly modifies the homestead exemption for bankruptcy and creditor protections. The new law is a long-overdue adjustment of the state’s outdated homestead exemption, allowing homeowners to protect their residences in bankruptcy and other debt collection proceedings. The amount of the updated exemption depends on… Read More »

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What Do You Need to Do to File for Bankruptcy

By Rounds & Sutter LLP |

Every year, over 750,000 people across the country file for bankruptcy in order to escape overwhelming debt. If you are one of the millions of Americans struggling with consumer debt, bankruptcy might be your best option for finding financial freedom and security. Read on to learn about the steps debtors must take to file for… Read More »

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Advantages and Disadvantages of Filing for Bankruptcy

By Rounds & Sutter LLP |

Bankruptcy is a big step in a person’s life and should not be taken lightly. While it is never the first option for people dealing with debt, for hundreds of thousands of Americans every year, it is ultimately the best solution to their debt troubles. Below, we discuss some of the advantages and disadvantages of… Read More »