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Coronavirus (COVID-19) and Rent

Coronavirus (COVID-19) and Rent

  On March 19, 2020, Governor Newsom has issued a Stay-at-Home Order (“Order”).  The purpose of the Order is to reduce public contact to slow and prevent the spread of the COVID-19.  However, due to the Order, many businesses have closed down or terminated...
Will Bankruptcy Work for Unpaid Taxes?

Will Bankruptcy Work for Unpaid Taxes?

The answer is maybe.  Depending on the type of tax, bankruptcy may erase/discharge the taxes.  If you owe federal income tax, then those taxes can be discharged/erased if it qualifies.  California income tax cannot be discharged/erased, along with...
Bank Levy – What they mean to you.

Bank Levy – What they mean to you.

Bank Levy is when a judgment creditor seizes monies and/or property inside of a safety deposit box.  When a bank levy is served on a judgment debtor’s bank, the bank must give written notice to the judgment debtor that it has been served a bank levy and the bank...
Debt Validation Services

Debt Validation Services

Debt Validation is a when an individual or business demands that a creditor substantiates that (i) the debt is owed by him/her/it, (ii) accounting of the debt amount, and (iii) the chain of custody if the creditor is not the original creditor.  Ex: Mary is the...
What is a Writ of Execution?

What is a Writ of Execution?

Writ of Execution is a court form filed by a judgment creditor requesting a court to allow a sheriff or similar party to take possession of a judgment debtor’s property.  After a judgment creditor receives a court-filed writ of execution, the judgment creditor...
Preparing for Bankruptcy

Preparing for Bankruptcy

If you have decided to file for bankruptcy, you should set aside 4 – 7 hours for gathering documents and reviewing your petition.  If you are incredibly organized, then obtaining the necessary documents will be quick; however, if you are like most of us, the...
Pros & Cons of Debt Settlement

Pros & Cons of Debt Settlement

Benefits of Debt Settlement Debt Settlement has two main benefits.  The first benefit is reduced debt balance.  When you negotiate and settle with a creditor, the creditor typically will accept a lower amount balance than what is owed.  The second benefit is no more...
Cease and Desist Letter

Cease and Desist Letter

Cease and Desist Letter is a letter from a law firm notifying a third party to stop communicating, directly or indirectly, with a law firm’s client.  These letters are typically sent to any collection agencies, creditors, and opposing attorneys.  Pursuant to...
Debt Consolidation – The Pros & Cons

Debt Consolidation – The Pros & Cons

Benefits of Debt Consolidation Debt Consolidation has three main benefits.  The first benefit is reduced interest rate.  When you negotiate and settle with a creditor, the creditor typically will accept a lower amount balance than what is owed.  The second benefit is...
Tax Settlement with the Internal Revenue Service (IRS)

Tax Settlement with the Internal Revenue Service (IRS)

Does the Internal Revenue Service (“IRS”) negotiate on tax debt?  Absolutely.  The IRS will negotiate with a debtor if a debtor: is current with tax filings;provides bank statements and/or paystubs to prove income; anditemizes expenses, and if requested,...
Fair Debt Collection Practices Act.

Fair Debt Collection Practices Act.

Fair Debt Collection Practices Act (“FDCPA”) is a law imposed by the Federal Government that outlines the permissible conducts of debt collection agencies.  For example, a debt collection agency cannot contact a debtor’s friends and family and inform them of...