by admin | Aug 15, 2013 | Uncategorized
WHICH BILLS YOU SHOULD PAY FIRST If you can’t afford to pay all your bills, you need to decide which bills you will pay. Choosing which bills to pay can make an enormous difference in your life, particularly if you would like to retain possession of things like your...
by admin | Aug 1, 2013 | Uncategorized
Laws come from two places. The first is the legislative bodies that enact statutes. Almost every state has a statute dealing with creditor and debt collector abuse. Although these vary from state to state, most outlaw the conduct that is forbidden under the...
by admin | Oct 22, 2012 | Uncategorized
Bankruptcy trials have many different individuals that contribute to the process. Although the judge acts like a referee, your bankruptcy attorney in Fair Oaks is the only one that is looking out for your best interests. The justice system is designed to assign...
by admin | Oct 22, 2012 | Uncategorized
There are different kinds of liens such as mortgage liens, mechanic’s liens, judicial liens, and tax liens, but they all fall under one or the other of two categories—consensual or nonconsensual. Consensual liens are liens that you voluntarily grant to someone else. ...
by admin | Oct 22, 2012 | Uncategorized
Most states exempt household goods up to a specified dollar amount. The federal Bankruptcy Code exemption for household goods exempts single items up to a value of $475 and all items up to a total of $9,850. Occasionally, a question is raised about whether a...
by admin | Oct 22, 2012 | Uncategorized
After figuring out which set of exemption laws apply, you need to calculate how much your property is worth. This calculation must be based not on the cost of replacing your stuff with new items but rather on what it would cost to obtain similar things in used...
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