Are you thinking of filing bankruptcy? If so, it's time to gather information and documents that will save you time later and will speed the process of your possible bankruptcy. Read the rest of this entry »
I'm sometimes asked by a bankruptcy client if they can "not file" on a particular credit card in their Chapter 7 (discharge of debts) bankruptcy. Or "not include" it in their bankruptcy, or "how can I keep this credit card". Here's the deal… Read the rest of this entry »
You might be fooled into buying expensive insurance that pays out only 5% of its premiums. Read the rest of this entry »
Malcolm Ruthven gave a bankruptcy presentation at Legal Aid of Marin on September 30, 2009. There were additional points to be covered at the end of the event and these items will be added here as comments. Read the rest of this entry »
Are you expecting a tax refund? As in life, timing is everything. Read the rest of this entry »
Malcolm Ruthven gave a bankruptcy presentation at Legal Aid of Marin on Monday, August 17, 2009. There were additional points to be covered at the end of the event and these items will be added here as comments. Read the rest of this entry »
You just negotiated a $10,000 debt down to $2,000. Isn't that great? Read the rest of this entry »
The American Journal of Medicine today published a study showing that illness or medical expenses contributed to 62.1% of all bankruptcies in 2007. Read the rest of this entry »
I've heard that question, or one like it, many times. Read the rest of this entry »
Most bankruptcy attorneys will tell you that the most frequent mistake clients make is to wait too long to file bankruptcy. There's a natural reluctance to consider and file bankruptcy, and in that "delay" period people in serious financial trouble often do some of the following things. Read the rest of this entry »
Newsweek magazine, in their January 12, 2009, issue, published an article explaining the case for bankruptcy and the circumstances favoring that action. Read the rest of this entry »
"Bankruptcy, we don't want to do that!" greeted me as I moved to the front of the room to give a presentation. I immediately said "Thank you! I invited you specifically to say that." and I meant every word. Read the rest of this entry »
What are some warning signs of undesirable behavior and quality of life that might signal that it's time to think about filing bankruptcy? Read the rest of this entry »
If you're considering filing bankruptcy, there is a series of traps that may be ready to spring and catch you; actually, catch your money. Read the rest of this entry »
Because I'm a California bankruptcy lawyer, people often ask me if filing for bankruptcy will ruin their credit. You may already know that the fact of your bankruptcy may stay on your credit report for ten years, and isn't that really bad? Let's take a look at that question. Read the rest of this entry »
Malcolm Ruthven joined Margarita Guzman, Director of Legal Karma (legalkarma.com), in a presentation titled "Dealing with Creditors and Bankruptcy" on Monday, May 4, 2009, at Eastmont Branch Library in Oakland, California. Margarita presented the "Dealing with Creditors" part and Malcolm presented the Bankruptcy part. It was free and open to the public. For the flyer for the event, click here. You'll need to have Adobe Reader on your computer; to download Adobe Reader, click here.
Hello! I'm Malcolm Ruthven, a California bankruptcy lawyer. Explore this website and blog and see what a Fresh Start might mean for you.
