415-342-4666     Email
North Bay,  East Bay,  SF

Menu

  • Home
  • About Me
  • Rebuild Credit
  • Clients Say
  • Free Consultation
  • For You
  • Articles
  • Bankruptcy Info
  • Blog
  • Contact

Waiting to File Bankruptcy Can Hurt You

According to a recent article on nerdwallet.com, waiting to file bankruptcy extracts a large price. You're in the financial "sweatbox". (more…)

Email, RSS Follow
Malcolm RuthvenJuly 24, 2018October 9, 2018 Bankruptcy No Comments

Filing Bankruptcy and Have Credit Union Children's Accounts? Look Out!

What happens to your credit union children's accounts if you file bankruptcy and also owe money to that credit union? It isn't pretty!

(more…)
Email, RSS Follow
Malcolm RuthvenMarch 26, 2018March 25, 2018 Credit Unions No Comments

Avoid these banks if filing bankruptcy!

Why avoid certain banks if filing bankruptcy? Because if you don't, you could lose a lot of money! Here's why and how…

(more…)
Email, RSS Follow
Malcolm RuthvenFebruary 12, 2018February 12, 2018 Bankruptcy No Comments

Does my discharged-in-bankruptcy debt stay gone forever?

Many clients ask me if the debt that's discharged (eliminated) in bankruptcy will stay gone forever.

(more…)
Email, RSS Follow
Malcolm RuthvenFebruary 5, 2018February 5, 2018 Bankruptcy No Comments

Expensive loans in California can force you into bankruptcy!

If you think "payday" loans are bad, consider a loan of $5,000 that requires you to pay back $42,000. Yes, that can happen in California.

(more…)

Email, RSS Follow
Malcolm RuthvenJanuary 22, 2018 Loans No Comments

Payday lender sentenced to 16 years in prison

The owner of a payday lending operation was sentenced to more than 16 years in prison, and the general counsel (attorney) for the business was sentenced to 7 years.

(more…)
Email, RSS Follow
Malcolm RuthvenJanuary 16, 2018January 15, 2018 Payday Loans No Comments

Family farmers get a break (Chapter 12 bankruptcy)

Family farmers who need Chapter 12 bankruptcy thought they were getting a break in 2005 with the new bankruptcy laws. But the U.S. Supreme Court interpreted a poorly-written part of that law to take away that break.

(more…)
Email, RSS Follow
Malcolm RuthvenNovember 7, 2017November 7, 2017 Bankruptcy No Comments

Am I liable for my spouse's debts in California?

I'm often asked if someone is liable for their husband's (or wife's) debts. The short answer is "No". Let's explore the rest of the answer.

(more…)
Email, RSS Follow
Malcolm RuthvenSeptember 19, 2017September 18, 2017 Debt No Comments

Too much money to file bankruptcy? Here's how to fix that.

Are you in the fortunate situation of having too much money to file bankruptcy? Let's see how you can fix that.

(more…)
Email, RSS Follow
Malcolm RuthvenAugust 21, 2017August 21, 2017 Bankruptcy No Comments

If I file bankruptcy, will I lose the things I own?

The short answers are "probably not" and "it depends". Let's expand on those short answers.

(more…)
Email, RSS Follow
Malcolm RuthvenAugust 7, 2017August 6, 2017 Bankruptcy No Comments

Should I take a loan from my 401(k) to pay my credit cards?

"NO", and let me count the reasons!

(more…)
Email, RSS Follow
Malcolm RuthvenJuly 10, 2017September 11, 2017 401k No Comments

Bankruptcy May Be Your First and Best Option

The credit industry would have you believe that filing bankruptcy is so bad that you should do it only as a last resort, making bankruptcy your last option. The credit industry spends a lot of money to get you to believe that. But for many people, nothing could be further from the truth. Why do I say that?

(more…)
Email, RSS Follow
Malcolm RuthvenJune 5, 2017June 4, 2017 Bankruptcy No Comments

Can I keep my house and car if I file bankruptcy?

I'm often asked if people can keep their house and car if they file bankruptcy. The short answer is usually "Yes", if they keep making the payments.

(more…)
Email, RSS Follow
Malcolm RuthvenMay 8, 2017May 7, 2017 Bankruptcy No Comments

How Often Can I File Bankruptcy?

I'm often asked if someone can file bankruptcy if they've done that before, or how often they can file bankruptcy. You can actually file bankruptcy at any time, but you won't get rid of ("discharge") your debts unless you meet the timing rules for multiple bankruptcy filings. So let's take a look at those.

(more…)
Email, RSS Follow
Malcolm RuthvenApril 3, 2017April 2, 2017 Bankruptcy No Comments

Will bankruptcy stop a foreclosure?

"My house is about to be foreclosed. Will bankruptcy stop that?" I'm often asked that question. The answer is probably "yes", but let's look at a "no" answer first.

(more…)
Email, RSS Follow
Malcolm RuthvenMarch 20, 2017March 19, 2017 Foreclosure No Comments

Bankruptcy Might Save Your Life

A study found that the bankruptcy code is an incredibly effective social insurance policy.

(more…)
Email, RSS Follow
Malcolm RuthvenFebruary 28, 2017March 5, 2017 Bankruptcy No Comments

Can I get rid of payday loans by filing bankruptcy?

I'm often asked if someone can get rid of payday loans by filing bankruptcy. Let's take a look at this.

(more…)
Email, RSS Follow
Malcolm RuthvenFebruary 21, 2017February 20, 2017 Bankruptcy No Comments

What are Bankruptcy Exemptions and why are they important?

During my first consultation with people who are interested in filing bankruptcy, I always explain this very important subject of "exemptions". Let's see what exemptions are and why they're important.

(more…)
Email, RSS Follow
Malcolm RuthvenFebruary 6, 2017 Bankruptcy No Comments

File bankruptcy without a lawyer? Only at your peril!

Some people file bankruptcy without an experienced bankruptcy lawyer. What are they risking?

(more…)
Email, RSS Follow
Malcolm RuthvenJanuary 23, 2017 Bankruptcy No Comments

Why NOT to reaffirm a mortgage in bankruptcy!

More than one past client has called me to complain that their mortgage holder wasn't reporting their house mortgage payments to credit reporting agencies, and would not unless they reaffirmed their mortgage loan. What's that about?

(more…)
Email, RSS Follow
Malcolm RuthvenJanuary 9, 2017January 8, 2017 Mortgage No Comments
  • « Previous
Hello! I'm Malcolm Ruthven, a California bankruptcy lawyer serving Marin, Sonoma, San Francisco, Napa, Solono, Alameda, Contra Costa, and San Mateo counties. Explore this website and see what a Fresh Start might mean for you.

Google+
Email

Malcolm Ruthven

National Association of Consumer Bankruptcy Attorneys
 Subscribe via RSS
- or -
Subscribe via E-Mail

Enter your email address:

  • Log in

We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.

Sending or receiving information through this site does not create an attorney-client relationship.