Credit Counseling & Bankruptcy

California Bankruptcy Legal Rockstar

• Can EDD Overpayments be discharged in bankruptcy?
  In California, an EDD overpayment can be discharged in bankruptcy unless there was some fraud or misrepresentation involved. Although, it is discharged in bankruptcy, they have the right to “recoupment” which basically says that if you file for unemployment again in the future, they can withhold from your future payments any “overpayment” that was made […]
• Are you still receiving your federal benefit check in the mail?
  If you currently receive Social Security or other federal benefits payments by check, you are required by the U.S. Department of the Treasury to switch to an electronic form of payment by March 1, 2013.  With less than 1 month remaining before the deadline, you should act now. You can switch to direct deposit, or […]
• Who to stop paying?
  DON’T PAY ON DEBTS, EXCEPT THE ONES WE TELL YOU TO PAY Many Clients leave our office and pay on debts that don’t need to be paid. This is a waste of money that could be better used to take care of you and your family. Call us at (818) 714-2200 with any questions. STOP MAKING […]
• California Chapter 7 bankruptcy petition order of documents
  If you are filing your bankuptcy petition directly with the court clerk, it is very important you bring your documents to the clerk in the correct order. Chapter7_OrderofDocuments Share this: […]
• How many DMV points is driving with a cell phone in California?
  So you received a ticket for driving with a cell phone?  You’ve been searching all over the internet to find out how many points the VC § 23123(a).   Well I wont keep you waiting any longer.  Right now, the violation of V C Section 23123 Hand Held Wireless Telephone Prohibited Use is zero points.  So […]
• If I forget to list a creditor, can it still be discharged?
  If I Forget To List A Creditor, Can It Still Be Discharged? The Bankruptcy Code requires you to list all of your debts, assets and sources of income.  If you inadvertently leave a creditor off your petition, it can be added by amending the petition to include the debt, provided your case hasn’t been closed […]
• What our bankruptcy lawyer does for you when you retain our office
  Oftentimes, stressed out clients want to know – what does my office do for them after they have retained our office. Well, at the Law Office of Chirnese L. Liverpool, here is a sample of the things that we do for you: We let you know you’ll keep your job because you’ve saved your car […]
• Foreclosed on by Ally/Gmac, Bank of America, Citi, Chase, or Wells Fargo? READ THIS!!
  I wanted to repost this article for my readers.  I found it online at http://www.topclassactions.com Award (how much your claim may be worth): Homeowners can receive a number of benefits from the $25 billion National Mortgage Foreclosure Settlement, including a CASH payment of at least $840. Some homeowners will receive additional cash payments of up […]
• My spouse filed for bankruptcy and I didnt, can they still collect from me?
  Its not required that both spouses file a joint bankruptcy petition. Oftentimes when there is not a lot of joint financial obligations, and only one spouse is financially in trouble, then only one spouse will file. So, if your spouse files for bankruptcy and completes the bankruptcy resulting in a discharge of all of their […]
• Steps to finding a good bankruptcy lawyer
  Signs of a Great Bankruptcy Attorney You’ve worked hard to establish yourself, but now bankruptcy is now knocking at your door. You are now being bothered by creditors who keep on nagging you to pay your bills. Your mail box is over flowing with piles of unopened bills and notices. What should you do? Find […]
• Will receiving a bankruptcy discharge help me get out of chex systems/telecheck?
  Upon receiving a bankruptcy discharge, many individuals find out that they are still in Chex Systems, Telecheck and SCAN.  These agencies are all subject to the Fair Credit Reporting Act (FCRA) and must report accurate information. Individuals end up with these reporting agencies usually because their bank account was closed due to fraud, insufficent funds, […]
• How to un-freeze your bank account
  If you found this article, its probably because your bank account is frozen due to a creditor bank levy or lien. If a creditor has seized your bank account, an option to quickly “unfreeze” your account is to file for bankruptcy. In fact, it may be your only option. It is very hard to live […]
• Filing bankruptcy can help you to improve your credit score
  Filing bankruptcy can help you improve your credit score. What? Am I crazy? How can filing bankruptcy help you to improve your credit score? Keep reading! Mounting medical bills not covered by health insurance, high credit card debt, job loss, divorce, these are all reasons that may cause a person to file for Chapter 7 […]
• Possible dangers of filing your bankruptcy with a BPP paralegal
  Possible dangers of filing your bankruptcy with a BPP paralegal. The bankruptcy rules do not require that you have a bankruptcy attorney in order to file for Chapter 7 or Chapter 13 bankruptcy.  In fact, the bankruptcy rules allow you to have a Bankruptcy Petition Preparer (BPP) fill out your bankruptcy forms for you.  So why […]
• What documents should I gather before meeting with bankruptcy attorney?
  You want to be prepared to meet with your bankruptcy attorney, but you don’t know which documents to gather…Let us help you create a basic list. So get the key out, its time to unlock that document drawer with all of your important documents, this is what you may need: Proof of all income for […]
• What is an Emergency Bankruptcy Petition?
  What is an Emergency Bankruptcy Petition? In California, we are permitted to file an Emergency Bankruptcy Petition.  An emergency bankruptcy petition, is simply a skeleton bankruptcy petition.  It only includes the very bare information needed in order to file a bankruptcy and get a bankruptcy case number. Whats included in the bankruptcy Emergency Petition? […]
• Whats the difference between an Emergency Bankruptcy Filing and a Rush Bankruptcy Filing?
  90% of the clients that I meet with, want me to scrape everything off my desk and work on their file first. I tell all of my clients that if they give me everything that I need, I will have their petition to them in less than a week.  In reality, it buys me a […]
• HOW LONG DO CREDITORS HAVE TO FILE A CLAIM IN A BANKRUPTCY CASE?
  Written by North Carolina Bankruptcy Attorney A proof of claim is generally filed by a unsecured creditor in order to  receive payment distributions from the bankruptcy trustee. A claim is allowed, unless it is objected to by a debtor. In a chapter 13 case, the distributions are paid from the debtor’s plan payments. Typically, a […]
• If I file bankruptcy, can I keep my frequent flyer airline miles?
  My clients have all different types of credit cards.  Some of my clients even have credit cards that offer frequent flyer airline miles, that allow you to redeem the miles for an airline ticket after they have accumulated enough airline miles. So I occasionally get asked, will I lose my frequent flyer airline miles if […]
• Moving Traffic Violation
  Most responsible individuals understand the importance of a clean driving record. However, if you think that a moving violation is no biggie,  think again. Some moving violations are merely traffic citations and are only punishable by a fine only; however, they may still have a crucial impact upon your driver’s license status due to an intricate […]