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Exemptions

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

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

I have more money than I can protect from creditors when I file bankruptcy. What should I do?

Congratulations! You're not one of the many people who "go through" everything they could have kept when they file a bankruptcy, so they lose a large benefit of the bankruptcy Fresh Start. You have the opposite problem. How do you keep, rather than lose to your creditors, the money that you can't protect with "exemptions"? (more…)

Malcolm Ruthven July 28, 2014July 9, 2016 Bankruptcy No Comments

How much money can I keep in my checking account when filing bankruptcy?

I'll soon be filing a Chapter 7 bankruptcy. How much money can I keep in my checking account without losing it?

Here's the deal. The trustee assigned to your bankruptcy gets to take your property, including money, for the benefit of your creditors EXCEPT for what you can "exempt". As you can see, "exemptions" are a very important subject. (more…)

Malcolm Ruthven July 21, 2014November 25, 2020 Bankruptcy No Comments

What is this bankruptcy "Wild Card" I keep hearing about?

I keep hearing about a "Wild Card" and how important it is. Exactly what is it and how can it help me in my bankruptcy? (more…)

Malcolm Ruthven December 17, 2011November 25, 2020 Bankruptcy No Comments

Will I have to sell my home to pay creditors in a Chapter 7 bankruptcy?

The answer to that question, like many answers to questions about bankruptcy, is "it depends". As an overview, it depends on the equity you have in your home and the "exemptions" you have to protect your home from creditors. For starters, "you" would never have to sell your home, but the bankruptcy trustee might do that. (more…)

Malcolm Ruthven November 21, 2011April 18, 2013 Bankruptcy No Comments

Can I Keep My Car in Bankruptcy?

"Can I Keep My Car in Bankruptcy?", or a similar question, is one I hear frequently as a bankruptcy lawyer. (more…)

Malcolm Ruthven June 28, 2011May 2, 2013 Bankruptcy No Comments

Legal Aid of Marin Bankruptcy Presentation – August 17, 2009

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. (more…)

Malcolm Ruthven August 17, 2009September 30, 2009 Bankruptcy 3 Comments
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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Malcolm Ruthven

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