San Jose Bankruptcy Attorney helps you decide if bankruptcy is the right option for you

Are creditors calling and harassing you day and night?
Are you at risk of losing your home to foreclosure?
Are you facing a wage garnishment?
Have you recently lost your job or had a reduction in income?

If you answered yes to any of the above questions then bankruptcy may be the right solution for you. When bankruptcy was [...]

Foreclosure Scam or Option?

The possibility of losing your home to foreclosure can be terrifying. The reality that scam artists are preying on the vulnerability of desperate homeowners is equally frightening. Many so-called foreclosure rescue companies or foreclosure assistance firms claim they can help you save your home. Some are brazen enough to offer a money back guarantee. [...]

Avoiding Bankruptcy Can Be a Mistake

Despite the fact that they may have little or no equity in their home (if they own one), and despite the fact that they do not have any assets that can be lost in a bankruptcy, they have this negative opinion about bankruptcy and want to avoid it.
But this is usually a mistake. Bankruptcy [...]

The Great American Credit Card Debt Foregiveness Program

The Administration has gone to great lengths to put together a package of programs to allow worthy homeowners who are having trouble meeting their mortgages to modify home loans to cut monthly payments. This allows people to stay in houses they might not otherwise be able to afford. Homeowners are not pushed out onto the [...]

How Foreclosure Impacts Your Credit Score

If you’re one of the millions who have lost a home to foreclosure, don’t lose heart. There’s still hope for your credit, and you may even be able to buy another home. First, find out exactly what your credit score is saying about you, and what you can do to minimize the damage.
The bad news
According [...]