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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

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?

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Malcolm Ruthven January 9, 2017January 8, 2017 Mortgage 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

Getting collection calls about old debts? Be very careful.

If you get collection calls about old debts, be very careful. Why?

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Malcolm Ruthven November 7, 2016December 4, 2017 Debt 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

Divorce, property settlements, and bankruptcy (#3)

Planning to get a divorce? Consider what might happen if your ex-spouse files bankruptcy. If you don't, you might be in for a big (and bad) surprise.

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Malcolm Ruthven August 8, 2016August 7, 2016 Divorce No Comments

Will I lose my retirement accounts if I file bankruptcy?

I'm often asked if someone will lose their retirement accounts if they file bankruptcy. The short answer is almost certainly not.

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Malcolm Ruthven July 25, 2016July 24, 2016 Uncategorized 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

I don’t want to file bankruptcy on my car!

I hear that often, and my response is always "You must list all of your assets and all of your debts". But then I proceed to explain that it's very likely that they can keep their car. Let's see how and why.

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Malcolm Ruthven June 6, 2016June 5, 2016 Bankruptcy No Comments

When Bankruptcy Is the Best Option (nerdwallet)

Nerdwallet published the best article about bankruptcy that I've ever seen. Take a look and see if it applies to you.

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Malcolm Ruthven June 1, 2016May 31, 2016 Bankruptcy No Comments

Beware your credit union when filing bankruptcy (#2)!

Do you think your credit union is your friend? You may get a big surprise if you have multiple loans with them and file bankruptcy.

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Malcolm Ruthven May 23, 2016May 22, 2016 Bankruptcy No Comments

Do I need a lawyer to file bankruptcy?

Can't I just file bankruptcy without a lawyer and save all that money? The short answer is that you can but probably shouldn't.

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Malcolm Ruthven May 9, 2016May 8, 2016 Bankruptcy No Comments

Credit card company has a lien on my house! Can bankruptcy help?

A credit card company sued me, got a judgment against me, and put a lien on my house. I can't sell the house without paying the lien amount before I get any money. Can bankruptcy help? (more…)
Malcolm Ruthven March 29, 2016March 28, 2016 Liens No Comments

Vacation on your credit cards before filing bankruptcy? Why not?

Why not take a nice vacation on your credit cards right before filing bankruptcy? After all, those debts will go away so why not use up that unused credit and have some fun?

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Malcolm Ruthven March 14, 2016March 14, 2016 Bankruptcy No Comments

Want to Eliminate Crushing Debt, Stop Lawsuits, or Stop Foreclosure? Consider Bankruptcy!

Do you need to eliminate crushing debt, stop lawsuits, or stop a foreclosure? Our Congress provided bankruptcy as a financial tool for those purposes. Wouldn't it be wise to see if it could work for you?

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Malcolm Ruthven February 22, 2016February 21, 2016 Bankruptcy No Comments

Should you settle your debts instead of filing bankruptcy?

People often ask me it they should settle their debts instead of filing bankruptcy. The answer of course is "it depends". (more…)

Malcolm Ruthven February 1, 2016January 31, 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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We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.

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