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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 »

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I’ve Been Sued by a Debt Collector. What Should I Expect?

By Rounds & Sutter LLP |

Lawsuits are a common debt relief tactic, and they represent one of the most common forms of a civil lawsuit. Just because you have been sued does not mean that you have to pay off your entire debt immediately. Nor do you have to accept their lawsuit without a fight. Continue reading for a discussion… Read More »

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When Should You Refinance Credit Card Debt?

By Rounds & Sutter LLP |

People who are struggling with credit card bills and other consumer debt may hear about a lot of options for debt relief floating around. Bankruptcy, debt settlement, debt consolidation, and credit card refinancing are all potential routes for debt relief, and the best option for each debtor depends on the amount and type of their… Read More »

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The CARES Act and Bankruptcy

By Rounds & Sutter LLP |

Although not as robust or as swift-moving as many would prefer, the federal government has begun taking steps toward helping individuals and small businesses that are suffering financial hardship as a result of the COVID-19 coronavirus pandemic. The Coronavirus Aid, Relief, and Economic Security Act (CARES Act), enacted on March 27, 2020, offers help to… Read More »

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How Long Does a Bankruptcy Filing Stay on My Credit Report?

By Rounds & Sutter LLP |

Many folks who are considering individual bankruptcy are concerned about the impact that bankruptcy will have on their credit. A bankruptcy filing can affect your credit score and things like loan interest rates and the cost of credit, but the effects are not permanent. Moreover, you can start rebuilding your credit score soon after filing… Read More »

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Will I Lose My Property if I File for Bankruptcy in California?

By Rounds & Sutter LLP |

One of the biggest concerns for anyone struggling with debt is whether they might lose their house. Especially when considering bankruptcy, clients often ask whether they might lose their home and other valued personal property. California and federal bankruptcy laws, however, provide exemptions for many types of personal and real property. With the advice of… Read More »

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What Happens if I get in a Car Accident While in Chapter 13

By Rounds & Sutter LLP |

When you are in the middle of a Chapter 13 bankruptcy, the last thing you need is another financial hardship. You are midway through paying off your unsecured debt, and suddenly you need to pay for property damage, medical costs, and other related expenses, and you may be facing time off of work. Moreover, if… Read More »

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Student Loan Debt and Bankruptcy

By Rounds & Sutter LLP |

Historically, student loans are one of the most common forms of consumer debt that most people believe are not subject to discharge in bankruptcy.  We incur thousands of dollars of debt, if not hundreds of thousands, when we are barely old enough to drive.  Students attend for-profit schools that fraudulently over-inflate their employment statistics, leaving… Read More »


California and Wage Garnishments: What Are Your Rights?

By Rounds & Sutter LLP |

If you owe certain types of debts to creditors, the government, or certain individuals, you may be subject to a particularly irritating arrangement: garnishment of your wages.  The person to whom you owe debt may be able to collect directly from your paycheck before you even get your hands on your money.  Wage garnishment is… Read More »