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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

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!

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Malcolm Ruthven March 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…

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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

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.

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Malcolm Ruthven January 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.

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Malcolm Ruthven January 16, 2018January 15, 2018 Payday Loans 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.

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Malcolm Ruthven September 19, 2017September 18, 2017 Debt No Comments

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

"NO", and let me count the reasons!

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Malcolm Ruthven July 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?

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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

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.

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Malcolm Ruthven March 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.

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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

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

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
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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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