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Bankruptcy

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…)

Malcolm Ruthven July 24, 2018October 9, 2018 Bankruptcy 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…

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Malcolm Ruthven February 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.

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Malcolm Ruthven February 5, 2018February 5, 2018 Bankruptcy 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.

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Malcolm Ruthven November 7, 2017November 7, 2017 Bankruptcy 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.

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Malcolm Ruthven August 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.

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Malcolm Ruthven August 7, 2017August 6, 2017 Bankruptcy 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?

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Malcolm Ruthven June 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.

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Malcolm Ruthven May 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.

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Malcolm Ruthven April 3, 2017April 2, 2017 Bankruptcy No Comments

Bankruptcy Might Save Your Life

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

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Malcolm Ruthven February 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.

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Malcolm Ruthven February 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.

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Malcolm Ruthven February 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?

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Malcolm Ruthven January 23, 2017 Bankruptcy No Comments

What's the kind of bankruptcy where you don't have to pay for your house and your car?

Someone asked that recently, saying that's the kind they wanted. Sorry, but there isn't a bankruptcy like that. If you don't make the payments on your house or car, bankruptcy or not, you'll lose that house or car.

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Malcolm Ruthven December 19, 2016December 18, 2016 Bankruptcy, Uncategorized No Comments

Bankruptcy May Improve Your Credit Score!

Bankruptcy improve your credit score? Are you kidding me? Not at all. Let's take a look at some reasons that filing bankruptcy might improve your credit score.

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Malcolm Ruthven November 28, 2016November 23, 2018 Bankruptcy No Comments

Feeling shame for needing to file bankruptcy? Listen to Leonard Cohen.

Are you feeling shame for needing to file bankruptcy?

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Malcolm Ruthven November 21, 2016September 10, 2020 Bankruptcy No Comments

3 Things To Understand About Filing Bankruptcy

OK, you want to file bankruptcy. Here are three basic things you should understand about the process.

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Malcolm Ruthven October 24, 2016October 23, 2016 Bankruptcy No Comments

About to have your car repoed? Consider bankruptcy!

Are you behind on your car payments and afraid your car will be repoed? Consider bankruptcy!

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Malcolm Ruthven October 3, 2016February 14, 2017 Bankruptcy No Comments

When can I buy a home after bankruptcy?

I'm often asked "When can I buy a home after bankruptcy?" Let's take a look at that.

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Malcolm Ruthven July 5, 2016July 4, 2016 Bankruptcy No Comments

Divorce, property settlements, and bankruptcy (#2)

If a spouse of a married couple files bankruptcy, a later property settlement might have unintended results. Let's see why.

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Malcolm Ruthven June 20, 2016June 19, 2016 Bankruptcy No Comments
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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.

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