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August 2014 Archives

Things to consider when thinking of filing for Chapter 7

Many of our Escondido readers who contemplate the decision of filing for bankruptcy are filled with trepidation. Some feel like they are evading their financial obligations in a shameful way, while others may be concerned about whether or not they qualify for bankruptcy at all.

Can you include student loans when filing for bankruptcy?

Any of our Escondido readers who have seen discussions about student loans and bankruptcy in previous posts here know that it is next to impossible to get those loans discharged in a bankruptcy filing. However, does that mean that there is absolutely, positively, no way to get student loans discharged in any circumstances? According to a recent article, the answer is "no."

How to weigh the time aspect of a filing for bankruptcy

Most of our Escondido readers know that filing for bankruptcy can be a just the start of a complicated and oftentimes lengthy process. But, what our readers may not know is that the Chapter 7 bankruptcy process can be a bit faster than other types of bankruptcy.

Californians are struggling with consumer debt

There are a lot of nationwide problems that are being discussed by politicians and the news media these days. Immigration concerns currently top the list, but other problems, like highway funds and student loan debt, are certainly issues that have an impact on Americans in every state, including California. However, there is apparently at least one large issue that does not seem to garner much attention, but that affects nearly one-third of all Americans: debt obligations that have been folded into the collections process.