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How to Decide if You Should Reaffirm a Debt

By Rounds & Sutter LLP |

When filing for bankruptcy, you may have to decide whether or not to reaffirm a debt. Choosing to retain debt that will last after your other debts are eliminated isn’t a decision you should make lightly. Read on to learn about reaffirming debt, and contact a knowledgeable California bankruptcy attorney with any additional questions. Debt… Read More »

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Three Common Myths about Bankruptcy, Set Straight

By Rounds & Sutter LLP |

If you’re struggling with overwhelming bills and personal debt, you’re probably looking for a lifeline out of your situation. You may have considered filing for bankruptcy but are scared of what it could mean for your life or financial future. Many of the scariest things (and, unfortunately, one good thing) you’ve heard about bankruptcy are,… Read More »

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Catching up on Your Mortgage under Either Chapter 7 or Chapter 13

By Rounds & Sutter LLP |

There are good reasons to file for bankruptcy under Chapter 7 or Chapter 13, and debtors should discuss the advantages of each with their attorney before filing. While many debtors who are behind on their mortgage believe that Chapter 13 is the form of bankruptcy that can best help them get out of debt, some… Read More »

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Finishing Your Chapter 13 Bankruptcy Case

By Rounds & Sutter LLP |

Chapter 13 bankruptcy takes several years to complete and can require some sacrifice on behalf of petitioners, but for those who manage to stick with their payment plans, it can bring numerous benefits without the same long-term credit consequences of a Chapter 7 bankruptcy filing. Learn about how a bankruptcy is completed, and some of… Read More »

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Lien Stripping during a Chapter 13 Bankruptcy

By Rounds & Sutter LLP |

If you’re a homeowner and your expenses are starting to become more than you can handle, you may be most concerned about what you can do to prevent losing your home through a foreclosure. Filing for bankruptcy under Chapter 13 can offer multiple benefits to homeowners that could allow them to keep their home when… Read More »

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How Divorce Settlements are Affected by Bankruptcy

By Rounds & Sutter LLP |

Determining what property is part of your estate, and determining which of that property is exempt or non-exempt, can be one of the most complex aspects of a bankruptcy filing. While your estate is normally limited to the property you own when you file, there are certain cases where property you acquire after filing might… Read More »

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How Does an Asset Chapter 7 Bankruptcy Work?

By Rounds & Sutter LLP |

Chapter 7 bankruptcy is sometimes referred to as liquidation bankruptcy, since this type of filing gives the bankruptcy trustee the authority to make the debtor’s assets liquid and to use the resulting cash to compensate creditors. Many potential Chapter 7 filers are scared that they’ll be forced into selling personal treasures or necessities during their… Read More »

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New Law Would Help Injured Vets Discharge Student Loans

By Rounds & Sutter LLP |

Nearly all unsecured forms of debt can be discharged when filing for bankruptcy, with the glaring exception of student loans. Attending college and graduate school has never been as necessary to building a successful career as it is now–nor has it ever been as expensive. Rare is the student who can complete a bachelor’s or… Read More »

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The Roles of the Bankruptcy Trustee and U.S. Trustee

By Rounds & Sutter LLP |

After filing for bankruptcy, the US Bankruptcy Court assigns a trustee to your case. The bankruptcy trustee can have a major influence on how your case progresses. Read on to learn more about the bankruptcy trustee’s role, and speak with a Ventura bankruptcy attorney if you have any additional questions. The Bankruptcy Trustee The bankruptcy… Read More »

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Bankruptcy Can Help You Recover Garnished Wages

By Rounds & Sutter LLP |

Bankruptcy can be a confusing, byzantine process, and without prior knowledge of the system, it’s easy to get overwhelmed and to feel as though the game is rigged against you. With legal help on your side from attorneys who understand this maze of laws and rules, however, bankruptcy can provide you with numerous money-saving benefits… Read More »