Generated by All in One SEO v5.0.1.1, this is an llms.txt file, used by LLMs to index the site. # Law Office of Mark J. Markus--Bankruptcy Attorney Bankruptcy Law Attorney and Information ## Sitemaps - [XML Sitemap](https://bklaw.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Los Angeles Bankruptcy Blog of Attorney Mark J. Markus Certified Specialist](https://bklaw.com/bankruptcy-blog/) - Issues, Comments, Current News related to bankruptcy in California - [Can Bankruptcy Eliminate California Sales Taxes to the CDTFA and SBOE?](https://bklaw.com/bankruptcy-blog/2015/03/sales-taxes-california-bankruptcy-cases-dischargeable/) - Tax Debts owed to the California Department of Tax and Fee Administration ("CDTFA") (formerly the "State Board of Equalization") can be discharged in bankruptcy. - [When Can You File Chapter 7 Bankruptcy Again? How Often Can You File?](https://bklaw.com/bankruptcy-blog/2012/11/time-between-filing-bankruptcy/) - How many times can you file a bankruptcy case in California and how long must you wait in between bankruptcy filings to get a discharge? It depends on which Chapters. - [Bankruptcy Schedules: List Everyone You Owe, Or Else!](https://bklaw.com/bankruptcy-blog/2014/11/list-all-debts-in-bankruptcy/) - If you intentionally omit creditors or other information on your bankruptcy papers, you could lose your entire discharge in a Chapter 7 case. - [Bankruptcy Myths and Misconceptions](https://bklaw.com/bankruptcy-blog/2013/10/myths-about-bankruptcy/) - What are some common myths and misconceptions about bankruptcy and bankruptcy law. - [Filing Bankruptcy Without Attorney Is Very Risky](https://bklaw.com/bankruptcy-blog/2012/04/bankruptcy-discharge-without-attorney/) - Filing bankruptcy without a lawyer or attorney: A new report shows very low success rates in Los Angeles, California area. - [Can I Ignore Debt Collector Calls? Should You Answer Phone? What To Say?](https://bklaw.com/bankruptcy-blog/2011/09/ignoring-collection-calls/) - is it best to ignore creditor collection calls, or should you talk to them, or file bankruptcy? - [Why is Bankruptcy a Last Resort?](https://bklaw.com/bankruptcy-blog/2014/08/bankruptcy-as-last-resort/) - Do you have debt problems? Have you even considered bankruptcy? See why bankruptcy should not be your last option. - [Small Business Bankruptcy Chapter 7 in California When To File](https://bklaw.com/bankruptcy-blog/2022/11/small-business-bankruptcy-in-california/) - Does your small business need to file bankruptcy chapter 7 or chapter 11? Los Angeles lawyer Markus explains the costs and benefits and when you need to file. - [Bankruptcy, Like Butter, Is Good For You](https://bklaw.com/bankruptcy-blog/2015/03/bankruptcy-is-better-than-not-filing/) - Research by senior analysts at the Federal Reserve shows that bankruptcy filers fare better than those who do not file. Always consider bankruptcy. - [Credit Counseling Before Bankruptcy: When Must it Be Done?](https://bklaw.com/bankruptcy-blog/2009/06/credit-counseling-before-bankruptcy/) - How far in advance must the credit counseling course, prerequisite to filing a bankruptcy, be completed? - [Will Obama Change the Bankruptcy Laws?](https://bklaw.com/bankruptcy-blog/2008/09/will-obama-change-the-bankruptcy-laws/) - Will President Obama seek to change the bankruptcy laws? - [Discharge of Debts in Bankruptcy - Which Debts Can Be Eliminated? 523](https://bklaw.com/bankruptcy-blog/2013/08/discharge-of-debts-in-bankruptcy/) - Which debts can you discharge in Bankruptcy? Debt discharge information from a Los Angeles bankruptcy lawyer - [How to Find Choose the Right Bankruptcy Lawyer in California](https://bklaw.com/bankruptcy-blog/2013/10/finding-the-right-bankruptcy-attorney/) - Advice on how to find the right bankruptcy attorney to hire for your situation in California and other. What to look for, including paralegals versus lawyers. - [Chapter 7 Qualifications: Credit Card and Student Loan Payments Don't Count](https://bklaw.com/bankruptcy-blog/2011/01/chapter-7-qualifications/) - Chapter 7 Budgets: Credit card and Student loan payments do not count. - [How to Redeem Secured Property in Bankruptcy Redemption Code 722](https://bklaw.com/bankruptcy-blog/2013/07/redemption-in-bankruptcy/) - Can you pay off your vehicle in full by simply paying what it's worth instead of what is owed? Yes redemption in bankruptcy allows for just such a result. - [Can Bankruptcy Remove Judgments and Liens Chapter 7 13?](https://bklaw.com/bankruptcy-blog/2009/10/removing-judgment-liens-in-bankruptcy/) - What is a judgment lien and can it be removed in a bankruptcy case? - [How Does Bankruptcy Affect Cosigner Obligations And Debts?](https://bklaw.com/bankruptcy-blog/2010/11/bankruptcy-co-signers-obligations/) - See why the bankruptcy of one party does not affect the liability of another party, whether they be a co-signer or co-obligor on the debts. - [Banks Forgiving Mortgage Loans: What's the Catch?](https://bklaw.com/bankruptcy-blog/2012/10/banks-forgiving-mortgage-loans/) - Many banks are wiping out junior mortgage loans on real estate and removing their liens without asking. Bankruptcy can help prevent huge tax consequences. - [How Does Bankruptcy Chapter 7 11 13 Work? - When Should You File?](https://bklaw.com/bankruptcy-blog/2013/10/how-bankruptcy-works/) - Learn how bankruptcy works and how to file a Chapter 7 11 or 13 case in California. A brief history of bankruptcy laws, attorneys, and a framework for the bankruptcy process. - [How To Self Report Current Payments On Your Credit Report After Bankruptcy](https://bklaw.com/bankruptcy-blog/2016/06/how-to-self-report-credit-payments-after-bankruptcy/) - If you do not reaffirm a secured debt in bankruptcy, your future on-time payments may not show on your credit report. Self-reporting is a way to solve this. - [Good Bankruptcy Attorneys Do Things You Don't See To Help Your Case Succeed](https://bklaw.com/bankruptcy-blog/2013/10/how-good-bankruptcy-attorneys-use-magic/) - It's what you don't seen that can hurt or help you in a bankruptcy case. How your case is presented makes all the difference to success. - [Bankruptcy Exemptions California What Property Can You Protect?](https://bklaw.com/bankruptcy-blog/2013/08/bankruptcy-exemptions/) - Information on bankruptcy exemptions and federal exemptions; which of your assets can be protected in a bankruptcy case?. - [Bankruptcy Attorney Fees: You Get What You Pay For](https://bklaw.com/bankruptcy-blog/2015/06/bankruptcy-attorney-fees/) - Cheaper isn't better when it comes to hiring a bankruptcy lawyer for your case. But paying more isn't always good either. Learn what to look for with attorney fees. - [Can I Discharge Unlisted Debts In a No Asset Chapter 7 or Other Bankruptcy Chapters?](https://bklaw.com/bankruptcy-blog/2016/06/can-i-discharge-debts-i-dont-list-in-bankruptcy/) - What happens if you don't know everyone to whom you owe money and fail to list them in your bankruptcy? Can you discharge those debts? - [Bankruptcy Help With Cryptocurrency Romance Scams And Debts](https://bklaw.com/bankruptcy-blog/2022/01/bankruptcy-and-cryptocurrency-romance-scam/) - What can you do as a victim of a cryptocurrency romance scam? Bankruptcy may provide a way to get rid of the debts incurred. A Los Angeles lawyers explains how. - [What Are The Different Bankruptcy Chapters in California?](https://bklaw.com/bankruptcy-blog/2020/01/how-does-bankruptcy-work/) - What are the different bankruptcy chapters and types? Learn about Chapter 7, Chapter 11, and Chapter 13 in California. What are eligibility requirements for each - [Which Bankruptcy Chapter Should You File and is Right for You?](https://bklaw.com/bankruptcy-blog/2013/08/bankruptcy-chapters/) - A look at the different bankruptcy chapters and how to determine which to file in California. Chapter 7 Chapter 13 and Chapter 11 are for individuals and business - [Bankruptcy Trustee Examination-Debtors Fear This Meeting](https://bklaw.com/bankruptcy-blog/2011/11/bankruptcy-trustee-meeting/) - The dreaded bankruptcy "meeting of creditors" or "trustee's meeting", (341(a) meeting). Why does it cause such fear? What are the keys to making it go smoothly? - [D: Discharge of Debts in Bankruptcy](https://bklaw.com/bankruptcy-blog/2011/11/bankruptcy-alphabet-discharge-of-debts-bankruptcy/) - What is the discharge in bankruptcy and what does it accomplish? - [C: Credit Counseling in Bankruptcy](https://bklaw.com/bankruptcy-blog/2011/11/credit-counseling-bankruptcy/) - The credit counseling and debt management course requirements in bankruptcy under the new bankruptcy laws. - [B is for Business Bankruptcy in Los Angeles California](https://bklaw.com/bankruptcy-blog/2011/11/business-bankruptcy-options/) - What is a "business bankruptcy" and what options are available? Chapter 7 and Chapter 11 Subchapter V are the normal choices for small businesses. - [Assumption of Contracts and Leases in California Bankruptcy](https://bklaw.com/bankruptcy-blog/2011/11/assumption-of-bankruptcy-contracts/) - Brief overview of what assumption means in the context of contracts and leases in bankruptcy. In bankruptcy you can keep or reject contracts to benefit your. - [Can I Discharge My SBA EIDL Loan if I File Bankruptcy in CA?](https://bklaw.com/bankruptcy-blog/2022/10/what-happens-to-my-sba-loan-in-bankruptcy/) - What happens to SBA EIDL loans in bankruptcy Chapter 7, 11, 13 in California? In most cases discharge occurs. But beware of the secret government CAIVRS list. - [How Does Bankruptcy Affect Divorce Actions And Settlements](https://bklaw.com/bankruptcy-blog/2018/11/getting-divorced-tips-for-future-bankruptcy-filings/) - Bankruptcy can have a big impact on couples seeking divorce in California. Here are some key suggestions to protect rights and optimize property distribution - [You Can Keep Your Home and Other Property in Any Bankruptcy Case](https://bklaw.com/bankruptcy-blog/2013/10/keep-your-assets-in-bankruptcy/) - Did you know you can usually keep all your assets in a bankruptcy case? Learn more about how attorneys can legitimately protect your property. - [What are the Downsides To Filing Bankruptcy in California?](https://bklaw.com/bankruptcy-blog/2022/08/what-are-the-downsides-to-filing-bankruptcy-in-california/) - Most of the downsides to filing bankruptcy are not really downsides at all. Misconceptions about the pros and cons of declaring bankruptcy in California. - [Filing Bankruptcy At Age 21, 25, 30, 35, 40, 45 - When Should You File?](https://bklaw.com/bankruptcy-blog/2018/10/filing-bankruptcy-at-age-21-25-30-35/) - How does age factor into the decision to file bankruptcy? What factors do elderly and younger need to consider before filing bankruptcy? When should you file? - [How To File Bankruptcy Without An Attorney in California](https://bklaw.com/bankruptcy-blog/2015/03/how-to-file-bankruptcy-without-an-attorney/) - What you need to know to file bankruptcy yourself without an attorney. Rules and Laws. And the success rate for cases filed by Pro Se Debtors in California - [Bankruptcy Payment Plans Chapter 13 and 11 in Los Angeles](https://bklaw.com/bankruptcy-blog/2015/05/bankruptcy-repayment-plans/) - What are the bankruptcy payment plans? Chapter 13 and 11 are used to catch up on secured debt payments and protect assets. Usually pay less than 100% of debts. - [Why You Should Not Pay Debts Before Filing Bankruptcy](https://bklaw.com/bankruptcy-blog/2015/08/do-not-pay-credit-cards-before-filing-bankruptcy/) - Repaying some debts and not others prior to filing bankruptcy is a big "no-no" and can cause big problems. The cost of doing so outweighs benefits, if any. - [Bankruptcy is More Than Just Filling Out Forms in California](https://bklaw.com/bankruptcy-blog/2015/09/filling-out-bankruptcy-forms/) - The bankruptcy petition forms are just one, albeit an important one, step in the bankruptcy process. Bankruptcy lawyers do more than just filling out forms. - [How Donald Trump Was Right About Bankruptcy](https://bklaw.com/bankruptcy-blog/2015/10/donald-trump-was-right-about-bankruptcy/) - Donald Trump's Corporations Filed Bankruptcy Cases Everyone likes to make fun of Donald Trump. Myself included*. He's an easy target. Especially his hair. One of the "jabs" detractors repeatedly throw at him is that he filed bankruptcy. They intend to imply that since he filed bankruptcy, he's therefore unfit to lead, or run a business, - [Loan Modification? Try Chapter 13 Bankruptcy in Los Angeles](https://bklaw.com/bankruptcy-blog/2015/11/loan-modifications-and-chapter-13-bankruptcy/) - Reasons why it may be better to file a Chapter 13 case before concluding a loan modification. ontinue the modification plus get benefits of bankruptcy. - [New Bankruptcy Forms Make Filing Trickier in California](https://bklaw.com/bankruptcy-blog/2015/11/new-bankruptcy-forms/) - How the new bankruptcy forms (in 2015) further complicate the already difficult to navigate bankruptcy process and why an lawyer is needed to complete correctly. - [Government Shutdown Can Lead To Bankruptcy](https://bklaw.com/bankruptcy-blog/2019/01/government-shutdown-can-lead-to-bankruptcy/) - How government shutdowns can cause people to need to file bankruptcy. There is a trickle down effect. Downward pressure on the middle class affects need to file. - [Does Bankruptcy Stop A Wage Garnishment?](https://bklaw.com/bankruptcy-blog/2019/03/can-bankruptcy-stop-a-wage-garnishment/) - Learn how bankruptcy stops wage garnishment in California under Chapters 7, 11, and 13. How long does the garnishment stop? Can you get money back? Mark J. Markus - [Will Bankruptcy Affect A Cosigner Guarantor On My Debt?](https://bklaw.com/bankruptcy-blog/2019/06/will-bankruptcy-affect-a-cosigner-guarantor-on-my-debt/) - What happens to a cosigner on a loan when the other signer files bankruptcy in California? There may be a temporary stay in Chapter 13, but obligations remain. - [Can You File Bankruptcy On Medical Bills Debt In Chapter 7 or 13?](https://bklaw.com/bankruptcy-blog/2020/02/can-bankruptcy-clear-medical-bills-and-debt/) - Can you discharge debt from medical creditors in bankruptcy chapter 7 or chapter 13? Medical debts are dischargeable like any other unsecured debt, with exceptions. - [How To Avoid Bankruptcy And Prevent Effects of Coronavirus Covid-19](https://bklaw.com/bankruptcy-blog/2020/03/how-to-avoid-bankruptcy-and-prevent-effects-of-coronavirus-covid-19/) - What you can do to avoid the negative financial effects of the Covid-19 pandemic. Bankruptcy is available to help, but may not become necessary. - [Bankruptcy Can Protect CARES ACT Stimulus Check Payments From Creditors](https://bklaw.com/bankruptcy-blog/2020/04/bankruptcy-can-protect-cares-act-stimulus-check-payments-from-creditors/) - How bankruptcy protects stimulus payments you may received under The Cares Act. Such payments are unprotected outside of bankruptcy. California bankruptcy lawyer - [How Can Bankruptcy Help A Small Business During Covid-19?](https://bklaw.com/bankruptcy-blog/2020/06/how-can-bankruptcy-help-small-business-during-covid-19/) - What are some bankruptcy issues faced by small businesses in Los Angeles under the Covid-19 pandemic? Attorney Mark J. Markus discusses options and assistance. - [Woke And Broke: Bankruptcy Filing Options For Those Under 40](https://bklaw.com/bankruptcy-blog/2020/07/millennials-and-bankruptcy/) - Millennials have unique financial issues that bankruptcy can address. What are the options in California for those under 40 years old? Attorney Mark Markus discusses. - [California Homestead Exemption Increased - Mark J. Markus](https://bklaw.com/bankruptcy-blog/2020/09/california-homestead-exemption-increased-for-bankruptcy-cases-ab-1885/) - What is a homestead exemption? Information on California's new increased homestead exemption and how it applies in bankruptcy cases Chapter 7, 11, and 13. - [How Do You Pay For a Bankruptcy Lawyer When You're Broke?](https://bklaw.com/bankruptcy-blog/2020/08/how-do-you-pay-for-afford-bankruptcy/) - How do people afford to pay for a bankruptcy attorney when they have no money? What types of payment plans are available and how can you pay for a lawyer? - [Cryptocurrency and Bitcoin Accounts in California Bankruptcy](https://bklaw.com/bankruptcy-blog/2021/04/cryptocurrency-and-bitcoin-accounts-in-bankruptcy/) - How are cryptocurrency accounts treated in bankruptcy Chapter 7, 11, and 13 in California? Records must be kept and how it affects income and assets can be critical. - [Should I File Bankruptcy Chapter 7 or 13 in California?](https://bklaw.com/bankruptcy-blog/2014/02/should-i-file-bankruptcy/) - How do you know when you need to file a California bankruptcy case? When is it necessary or optional? A bankruptcy attorney is necessary to properly decide. - [How Long Bankruptcy Improves and Affects Your Credit Score](https://bklaw.com/bankruptcy-blog/2014/01/how-does-bankruptcy-affect-credit-scores/) - How filing bankruptcy affects and improves your credit score. How long does it take to rebuild? What steps must be taken in California? - [Record a Homestead Declaration Before California Bankruptcy](https://bklaw.com/bankruptcy-blog/2016/02/file-a-california-homestead-declaration-before-bankruptcy/) - Why you should record a Declared Homestead against your property in California before filing bankruptcy. See why and how to record the Declaration. - [How Chapter 13 Bankruptcy Can Save Your Home in Los Angeles](https://bklaw.com/bankruptcy-blog/2022/09/bankruptcy-can-save-your-home-in-california/) - Chapter 13 allows Los Angeles residents to save their homes from foreclosure. It allows time to catch up on payments and remove certain liens. Attorney explains - [How Can Bankruptcy Save My Home From Foreclosure in California?](https://bklaw.com/bankruptcy-blog/2022/04/how-can-bankruptcy-save-my-home-from-foreclosure-in-california/) - How does bankruptcy stop foreclosure sales in California? Which Chapter of bankruptcy is best? How long do you have to catch up on payments? - [Denial of Discharge in Bankruptcy California-Section 727](https://bklaw.com/bankruptcy-blog/2013/10/denial-of-discharge/) - Information on how the entire discharge of debts in a California bankruptcy case can be denied or lost. Failure to list assets or keep records are chief reasons. - [Mistakes Often Made To Stop Foreclosure Sales in Los Angeles](https://bklaw.com/bankruptcy-blog/2014/09/want-to-stop-a-foreclosure/) - Waiting for a loan modification to be approved is very risky. It often leads to rash decisions and bad outcomes. Chapter 13 bankruptcy should be considered. - [Do You Get Out Of All Debts if You Declare Bankruptcy?](https://bklaw.com/bankruptcy-blog/2022/08/do-you-get-out-of-all-debts-declare-bankruptcy/) - Which debts can you discharge when you file a bankruptcy case, Chapter 7, Chapter 11, or Chapter 13? California Bankruptcy lawye explains discharges. - [Refiling Chapter 7 Case After Prior Dismissal in California](https://bklaw.com/bankruptcy-blog/2010/05/re-filing-chapter-7-bankruptcy-case-after-prior-dismissal/) - Can a bankruptcy case be re-filed after being dismissed and, if so, are there any restrictions? - [Dangers of Low Cost Cheap California Bankruptcy Attorneys](https://bklaw.com/bankruptcy-blog/2011/04/low-cost-bankruptcy/) - Dangers of using a low cost and cheap bankruptcy attorney to file your bankruptcy case. It can cost you more than you think... - [How Much Does it Cost to File Bankruptcy in California?](https://bklaw.com/bankruptcy-blog/2013/08/bankruptcy-costs-and-fees/) - Discussion of fees and costs for filing bankruptcy in Los Angeles under Chapter 7, 11, and 13. - [I filed bankruptcy and Wells Fargo Bank froze my bank account funds.](https://bklaw.com/bankruptcy-blog/2011/06/bank-account-freeze/) - How and why can a bank freeze a debtor's bank account after a bankruptcy case is filed when no money is owed to that bank? - [Bank Account Funds Can Be Frozen When Bankruptcy Filed in CA](https://bklaw.com/bankruptcy-blog/2009/03/bank-accounts-freeze/) - An analysis of why certain banks freeze funds in deposit accounts when a Chapter 7 bankruptcy case is filed. - [Can You Only Bankrupt Certain Debts and Keep Others?](https://bklaw.com/bankruptcy-blog/2008/07/can-you-only-bankrupt-certain-debts/) - Cancel debts in bankruptcy: Discussion about whether you can select which debts to bankrupt (discharge) and which to reaffirm or keep. - [What Are The Warning Signs Of Bankruptcy in California?](https://bklaw.com/bankruptcy-blog/2008/07/the-warning-signs-of-bankruptcy/) - Warning signs that tell you when you should seek the advice of a bankruptcy professional before it's too late. - [How Much Does Chapter 13 Bankruptcy Cost in Los Angeles?](https://bklaw.com/bankruptcy-blog/2008/06/how-much-does-chapter-13-cost/) - How much will it cost to file a Los Angeles Chapter 13 bankruptcy case - [Are Attorneys Fees From Divorce Dischargeable in Bankruptcy?](https://bklaw.com/bankruptcy-blog/2009/04/attorneys-fees-in-divorce/) - Are attorney's fees awarded in a divorce dischargeable in a bankruptcy case? - [What Happens If I Forget To List A Debt In My Bankruptcy Case?](https://bklaw.com/bankruptcy-blog/2018/07/forget-to-list-a-debt-in-my-bankruptcy-case/) - If you forget to list a creditor (debt) in your bankruptcy case, you may not need to do anything. It depends on which Chapter you filed and other factors. - [Bankruptcy for Seniors and Elderly in Los Angeles-Pros and Cons](https://bklaw.com/bankruptcy-blog/2018/08/bankruptcy-and-the-elderly/) - Special issues in bankruptcy face seniors and elderly people. Do they need to file bankruptcy? If so, what are the realities and consequences? - [Small Business Bankruptcy Chapter 11, 7, 13 in Los Angeles](https://bklaw.com/bankruptcy-blog/2020/08/do-i-need-to-file-bankruptcy-for-my-small-business/) - What are the bankruptcy options for small businesses in Chapters 7, 11, and 13 in Los Angeles? - [Non-Filing Spouse's Income Must Be Included in Bankruptcy in California](https://bklaw.com/bankruptcy-blog/2008/07/spouses-income-must-be-included-in-bankruptcy/) - Why a non-filing spouse's income must be included in the bankruptcy case of the other spouse. - [How Much Debt Do I Need To File Bankruptcy Chapter 7 11 or 13?](https://bklaw.com/bankruptcy-blog/2008/07/how-much-debt-do-you-need-to-go-bankrupt/) - How much debt does one need to file a bankruptcy case? Filing bankruptcy. - [What Happens If You Forget To List A Creditor in Your Bankruptcy Case?](https://bklaw.com/bankruptcy-blog/2009/09/forget-to-list-a-creditor/) - What happens if you unintentionally omit a creditor from your bankruptcy filing? - [Can You File Bankruptcy If You Live Outside the USA?](https://bklaw.com/bankruptcy-blog/2008/06/file-bankruptcy-if-you-live-outside-the-usa/) - Can you file bankruptcy in the United States if you are living outside the country? - [Bankruptcy Can Remove Mortgage Liens Against Your Home](https://bklaw.com/bankruptcy-blog/2008/06/bankruptcy-remove-liens-against-home/) - Chapter 13 bankruptcy offers the ability to remove certain liens against property. - [New Bankruptcy Laws BAPCPA](https://bklaw.com/bankruptcy-blog/2013/09/new-bankruptcy-laws/) - Information on the new bankruptcy laws, BAPCPA, means test, Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. - [What Happens To Assets And Property In Chapter 13 Bankruptcy Cases?](https://bklaw.com/bankruptcy-blog/2022/03/what-happens-to-assets-and-property-in-chapter-13-bankruptcy-cases/) - Will you lose any assets in a Chapter 13 bankruptcy case or can you keep everything? How does Chapter 13 work? - [What Is The Bankruptcy Lookback Period in California? 6 Months? 90 Days? 1 Year?](https://bklaw.com/bankruptcy-blog/2022/04/what-is-the-bankruptcy-lookback-period-in-california-6-months-90-days-1-year/) - There are different lookback periods in bankruptcy. One for the means test. Another for preference payments and another for other transfers. - [John Oliver's Report On Why Bankruptcy Should Be Used When Necessary](https://bklaw.com/bankruptcy-blog/2021/05/john-olivers-report-on-the-misguided-negative-stigma-of-bankruptcy/) - John Oliver correctly reports that many avoid bankruptcy for misguided reasons. However, he mischaracterizes Chapter 7 and Chapter 13 aspects of bankruptcy. - [Success Rate in Filing Chapter 13 and 7 Bankruptcy](https://bklaw.com/bankruptcy-blog/2008/12/success-rate-in-filing-bankruptcy/) - What defines success in bankruptcy for the client and for the bankruptcy attorney? - [When Is A Bankruptcy Case Closed Or Discharged In Chapter 7, 13 and 11?](https://bklaw.com/bankruptcy-blog/2017/07/bankruptcy-discharge-and-case-closing/) - What is the difference between the bankruptcy discharge, dismissal, and the closing of a bankruptcy case? They are all each different, and important. - [For How Long Can a Trustee Take My Assets in a Chapter 7 Bankruptcy?](https://bklaw.com/bankruptcy-blog/2013/01/what-happens-to-assets-in-a-chapter-7-bankruptcy/) - Can a trustee take assets after a discharge in a Chapter 7 case? If so, for how long? Which assets? Explanation of some basic bankruptcy principals. - [Personal Injury Bankruptcy Exemption California - Attorney Mark J. Markus](https://bklaw.com/bankruptcy-blog/2021/09/personal-injury-in-bankruptcy-california-attorney/) - Are personal injury claims exempt in bankruptcy? Do you need a personal injury attorney lawyer in California? How to find a good one. - [California Homestead Exemption Set To Change For Bankruptcy Per AB 1885](https://bklaw.com/bankruptcy-blog/2020/09/california-homestead-exemption-set-to-change-for-bankruptcy-per-ab-1885/) - California Homestead Exemption Will Increase In January 2021 On September 2, 2020 the California legislature passed AB 1885 (and SB 832) which will substantially increase California's homestead exemption. This is a very important change and will enable many homeowners to eliminate their debts in bankruptcy without having to lose their homes to do so. The - [Does Bankruptcy Help Stop Rent Evictions In Los Angeles? Mark J. Markus](https://bklaw.com/bankruptcy-blog/2021/08/can-bankruptcy-help-stop-rent-evictions-in-los-angeles/) - Bankruptcy can stop evictions and help you catch up on your rent or eliminate past due rent. How to deal with your landlord with Chapter 7 or 13. - [How Many Regret Filing Bankruptcy?](https://bklaw.com/bankruptcy-blog/2021/12/will-i-regret-filing-bankruptcy-case/) - Most people do not regret filing bankruptcy but rather feel it was a necessary and positive step. Why do people shun bankruptcy filing? - [Reaffirmation Agreements in Chapter 7](https://bklaw.com/bankruptcy-blog/2008/11/reaffirmation-agreements-in-chapter-7/) - explanation of reaffirmation agreements in chapter 7 bankruptcy cases. Should you reaffirm a debt? How to get out of reaffirmation. - [My Top 10 Bankruptcy Blog Posts of 2015](https://bklaw.com/bankruptcy-blog/2015/12/top-10-bankruptcy-posts-of-2015/) - Certified California Bankruptcy Specialist Mark J. Markus lists the 10 most popular bankruptcy related blog posts from 2015 from his Los Angeles Bankruptcy Blog. - [Why It Is Important To Have A Bankruptcy Consultation Sooner Rather Than Later](https://bklaw.com/bankruptcy-blog/2016/02/get-bankruptcy-information-without-obligation/) - Why you should not wait to have a bankruptcy consultation if you think you might need to file at some point. Waiting eliminates options and raises costs. - [Chapter 7: Can You or Trustee Sell Your Property After Bankruptcy Discharge?](https://bklaw.com/bankruptcy-blog/2017/01/chapter-7-can-you-sell-your-property-after-bankruptcy-discharge/) - At what point does your property become yours again after a Chapter 7 bankruptcy? Is it the discharge date? You might be surprised. - [How Student Loans Are Treated In Chapter 13 Cases | Debt Limits And Budget.](https://bklaw.com/bankruptcy-blog/2009/08/student_loan_chapter_13_debt_limits/) - Are student loans included in the Chapter 13 debt limits? - [Can I File Bankruptcy If Current And Not In Default On Payments?](https://bklaw.com/bankruptcy-blog/2017/02/can-i-file-bankruptcy-if-current-and-not-in-default-on-payments/) - You do not need to be behind on payments to file a bankruptcy. But continuing to pay debts and waiting too long to file can cause big problems. - [Can I File Bankruptcy After Being Sued To Stop A Judgment?](https://bklaw.com/bankruptcy-blog/2014/04/can-i-file-bankruptcy-after-lawsuit/) - Is it ever too late to file a bankruptcy case? Learn what happens after a lawsuit is filed. And after a judgment. Timing does matter for bankruptcy, but - [Debts That Are Not Discharged In Bankruptcy Mark J. Markus Attorney](https://bklaw.com/bankruptcy-blog/2021/12/debts-that-are-not-discharged-in-bankruptcy-mark-j-markus-attorney/) - Not all debts are discharged in a bankruptcy case. Which debts are not discharged? Some are automatically discharged while others are not. - [Do You Have To Include All Debts and Assets in Bankruptcy Chapter 7 11 13?](https://bklaw.com/bankruptcy-blog/2012/02/l-listing-debts-and-assets-in-bankruptcy/) - Must you list all assets and all debts in a bankruptcy case? The simple answer may surprise you! - [Where Do I File My Bankruptcy Case? How Do I Find A Bankruptcy Attorney?](https://bklaw.com/bankruptcy-blog/2014/12/where-to-file-bankruptcy-case/) - What determines the venue location where a bankruptcy case is to be filed and where to look for an attorney to represent you? - [Don't Feel Guilty About Filing Bankruptcy Famous Smart People Filed](https://bklaw.com/bankruptcy-blog/2011/06/feeling-guilty-filing-bankruptcy/) - Many feel guilty or ashamed about even considering filing a bankruptcy case. Thomas Jefferson didn't. It's not your fault. - [Bankruptcy Alternatives Consolidation or Debt Settlement? What To Do?](https://bklaw.com/bankruptcy-blog/2014/10/debt-settlement-or-consolidation/) - Debt settlement and consolidation sound good, and may be in some cases, but bankruptcy offers the same or better options without resulting tax liability. - [What Happens to Mortgage Debts After Bankruptcy Discharge?](https://bklaw.com/bankruptcy-blog/2013/05/mortgage-liens-in-bankruptcy/) - What does it mean when a mortgage debt is discharged in bankruptcy? What happens to the liens? Do you still have to pay? - [Can I Go To Jail For Not Paying My Debts?](https://bklaw.com/bankruptcy-blog/2014/07/bankruptcy-debtors-prison/) - Debtors' prison has been abolished by federal law. You can no longer go to jail for failing to pay your debts. See why! - [Stopping evictions with bankruptcy](https://bklaw.com/bankruptcy-blog/2011/08/stopping-evictions-bankruptcy/) - Can filing bankruptcy stop an eviction by a landlord? If so, is it a good idea? How long will it give you? - [To Discharge Taxes in Bankruptcy, File Tax Returns On Time](https://bklaw.com/bankruptcy-blog/2015/02/file-your-tax-returns-on-time-or-else/) - You may not be able to discharge taxes if your returns are filed late. What can you do to make sure your taxes are discharged? - [Should I Borrow Use 401k Retirement To Pay Debts Or File Bankruptcy?](https://bklaw.com/bankruptcy-blog/2015/02/should-i-use-borrow-retirement-to-pay-debts/) - It's usually a bad decision to borrow against or withdraw from retirement 401k pension accounts to pay debts and loans. Bankruptcy can be a superior choice. - [Your Bankruptcy Mistakes Can Affect Others](https://bklaw.com/bankruptcy-blog/2015/02/your-bankruptcy-mistakes-can-affect-others/) - Mistakes you make filing bankruptcy can affect those close to you. You cannot just back out of a Chapter 7 case once it is filed. The right way - [Will My Employer Be Notified About My Bankruptcy Filing?](https://bklaw.com/bankruptcy-blog/2015/02/will-employer-be-notified-of-bankruptcy/) - Will your employer find out about your bankruptcy filing? And if so, what can happen? Will you lose your job? Things you need to know in bankruptcy. - [Can You Discharge EDD Unemployment Overpayments in Bankruptcy?](https://bklaw.com/bankruptcy-blog/2015/01/can-you-file-bankruptcy-unemployment-overpayments/) - Can you file bankruptcy on unemployment overpayments? Are they dischargeable? California Employment Development Department EDD overpayments can be discharged. - [Top 10 Los Angeles Bankruptcy Blog Posts of 2014](https://bklaw.com/bankruptcy-blog/2014/12/top-10-los-angeles-bankruptcy-blog-posts-of-2014/) - List of my 10 most viewed bankruptcy blog articles in 2014 of Certified Bankruptcy Law Specialist Mark J. Markus. - [Can I Still File Chapter 7 Bankruptcy? Do New Laws Prevent Debt Discharge?](https://bklaw.com/bankruptcy-blog/2014/11/does-bankruptcy-still-exist/) - Bankruptcy still exists and you can eliminate your credit card, payday loans, medical bills, certain taxes, and many other debts. But rumours still abound. - [Can I Keep My House or Car in Chapter 7 Bankruptcy? Will they be taken?](https://bklaw.com/bankruptcy-blog/2014/09/can-i-keep-my-car-or-house-in-chapter-7/) - How to find out whether you can keep your car, home, or other assets in a California Chapter 7 bankruptcy case. - [Home Equity and Mortgage Loan Default Options In Bankruptcy Chapter 13](https://bklaw.com/bankruptcy-blog/2014/09/options-for-home-equity-loan-defaults/) - What happens when you default on a home equity loan? What are your options? Chapter 13 bankruptcy may offer an easy solution. - [Can You Discharge Credit Card Debt Used To Pay Taxes In Bankruptcy?](https://bklaw.com/bankruptcy-blog/2017/04/can-i-use-a-credit-card-to-pay-taxes/) - Does it make sense to use a credit card to pay your IRS taxes? Can you eliminate that debt in a future bankruptcy? Learn the pros and cons so you can decide. - [Chapter 13: How To Get Relief From High Interest Rate Payments](https://bklaw.com/bankruptcy-blog/2016/12/chapter-13-how-to-get-relief-from-high-interest-rate-payments/) - How to deal with payments to creditors that are too high. Even with high incomes, people have difficulty paying credit cards. Ch. 13 bankruptcy solves this. - [Can Payday Loans Be Included in Bankruptcy? How To Get Rid of Them.](https://bklaw.com/bankruptcy-blog/2014/03/can-payday-loans-be-included-in-bankruptcy/) - How to get rid of payday loan debts in bankruptcy in Los Angeles? What is a payday loan? How do you include in Chapter 7, Chapter 11, or Chapter 13? - [The Bankruptcy Means Test Los Angeles - How To Pass So You Can File](https://bklaw.com/bankruptcy-blog/2008/10/means-test-for-bankruptcy/) - What is the means test for bankruptcy? Does passing the means test mean you can file Chapter 7 or chapter 13? How do you calculate eligibility? - [Do I Qualify to File Bankruptcy? How Do I Know Which Chapter To File?](https://bklaw.com/bankruptcy-blog/2014/07/qualify-for-bankruptcy/) - What are the eligibility requirements for the various bankruptcy chapters and how does one qualify? How much debt? How much income? Who can file? - [Why You Should Not Wait Too Long To File Bankruptcy](https://bklaw.com/bankruptcy-blog/2014/06/dont-try-to-avoid-bankruptcy/) - Most people wait too long to explore bankruptcy as an option. What are the consequences of delay? Avoiding bankruptcy can be dangerous. - [Don't Trust Your Mortgage Company When in Foreclosure](https://bklaw.com/bankruptcy-blog/2014/04/do-no-trust-your-mortgage-company/) - It is risky to try to stop a foreclosure sale by seeking a loan modifications and negotiating with mortgage companies instead of first filing bankruptcy. - [How to Survive a Chapter 7 Bankruptcy Audit By US Trustee's Office](https://bklaw.com/bankruptcy-blog/2014/03/bankruptcy-case-audits-in-chapter-7-return/) - The U.S. Trustee randomly audits bankruptcy cases for inaccurate information. Is your case audit-proof? Did your attorney prepare your case with this in mind? - [Does Filing Bankruptcy Affect Your Spouse? Can You File By Yourself?](https://bklaw.com/bankruptcy-blog/2014/02/filing-bankruptcy-affect-on-spouse/) - Does your spouse need to file bankruptcy if you do? Will bankruptcy affect a spouse that does not file? What is the community discharge in bankruptcy? - [Can I Dismiss or Withdraw My Chapter 7 Bankruptcy? How To Stop After Filing.](https://bklaw.com/bankruptcy-blog/2014/01/can-i-dismiss-my-chapter-7/) - When is dismissal of a Chapter 7 case possible, and what are the criteria for dismissal. Is the test what's in the best interest of the debtor or the creditors? - [Does Bankruptcy Means Test Use Gross or Net Income?](https://bklaw.com/bankruptcy-blog/2014/01/means-test-gross-income-bankruptcy-eligibility/) - Is bankruptcy eligibility, including the means test, determined by gross income or net income? This is a confusing and complicated part of bankruptcy law. - [Do You Have To Be a Citizen To File Bankruptcy?](https://bklaw.com/bankruptcy-blog/2014/01/can-you-file-bankruptcy-if-not-a-citizen/) - If you are not a citizen can you take advantage of the powerful bankruptcy laws in the United States? Is Bankruptcy relief is restricted? - [Why You Should File Bankruptcy While Unemployed](https://bklaw.com/bankruptcy-blog/2013/12/file-bankruptcy-while-unemployed/) - Filing bankruptcy while unemployed can speed the recovery from the recession, both individually and as a nation. It can be an optimal time to seek relief. - [Do I Need To File Bankruptcy If I'm Judgment Proof? What Are Costs and Benefits?](https://bklaw.com/bankruptcy-blog/2013/12/judgment-proof-and-filing-bankruptcy/) - What does being "judgment proof" mean, and should one file bankruptcy if they are? - [Paying Relatives Before Bankruptcy Is A "No-No" Why You Should Wait](https://bklaw.com/bankruptcy-blog/2013/11/file-bankruptcy-before-repaying-relatives/) - Repaying relatives and others prior to filing bankruptcy is considered "preferential" and can cause serious problems for them in bankruptcy.. - [What Causes the Need to File Bankruptcy?](https://bklaw.com/bankruptcy-blog/2013/10/need-to-file-bankruptcy/) - There are many triggers that cause people to seek bankruptcy relief. Furloughs are one. What's yours? - [How to Avoid Bankruptcy Problems Before You File Attorneys Help](https://bklaw.com/bankruptcy-blog/2013/10/avoid-bankruptcy-problems-before-filing/) - Proper preparation and presentation of a bankruptcy case makes all the difference for smooth sailing after filing. Failure to do so can mean more expense and failure to achieve your goals. - [How to Get the Most Out of Your Bankruptcy Lawyer](https://bklaw.com/bankruptcy-blog/2013/08/getting-the-most-out-of-your-bankruptcy-lawyer/) - Tips for how to assist your bankruptcy attorney, get your questions answered, and help your case be successful. - [Filing Emergency Bankruptcy Cases Is Possible But Not Advisable.](https://bklaw.com/bankruptcy-blog/2013/08/emergency-bankruptcy-filings/) - Are emergency bankruptcy filings really emergencies? Are there problems filing such cases? - [Time is Not Your Friend: Don't Delay in Seeking Advice](https://bklaw.com/bankruptcy-blog/2013/07/bankruptcy-delay-time/) - How delays in seeking bankruptcy advice can be very costly. - [Why You Should Not Represent Yourself For Free in Bankruptcy](https://bklaw.com/bankruptcy-blog/2013/05/sad-bankruptcy-stories-1/) - Representing yourself in bankruptcy is a big mistake. Here's yet another story illustrating this. - [Why You Need To Research Your Bankruptcy Attorney Before Hiring](https://bklaw.com/bankruptcy-blog/2013/03/research-your-bankruptcy-attorney-before-hiring/) - You are responsible for the attorney you hire. They are your extension in the legal process. Who you choose can make the difference between success and failure. - [Who's Sorry Now: Should You Apologize For Filing Bankruptcy?](https://bklaw.com/bankruptcy-blog/2013/03/whos-sorry-now-should-you-apologize-for-filing-bankruptcy/) - A recent study suggests that apologizing for filing bankruptcy can affect the outcome of your case. I disagree. - [Bankruptcy Consultations: How Thorough Is your Attorney?](https://bklaw.com/bankruptcy-blog/2013/03/bankruptcy-consultations/) - Detailed information is necessary for a bankruptcy attorney to determine eligibility and options for filing bankruptcy. - [Is it Getting Harder to Discharge Income Taxes in Bankruptcy?](https://bklaw.com/bankruptcy-blog/2013/03/late-filed-tax-returns-in-bankruptcy/) - Certain taxes may no longer be dischargeable in certain bankruptcy courts if the returns were filed late. - [Chapter 13 Debt Limits Increase April 1](https://bklaw.com/bankruptcy-blog/2013/02/chapter-13-debt-limits-increase/) - The maximum debt limits for Chapter 13 eligibility are increasing as of April 1, 2013. Learn more. - [How to Avoid Big Mistakes Before Filing Bankruptcy](https://bklaw.com/bankruptcy-blog/2013/02/income-can-also-be-property-in-bankruptcy/) - Income can also be property in bankruptcy. Why it is important to consult with a bankruptcy attorney before filing a bankruptcy case. - [All I want For Christmas is....a Bankruptcy](https://bklaw.com/bankruptcy-blog/2012/12/all-i-want-for-christmas-is-a-bankruptcy/) - When financial problems get overwhelming, bankruptcy can provide a fresh start, relieve your debt obligations, and eliminate stress during the holiday season. - [T is for Thanksgiving: Thankful for bankruptcy laws](https://bklaw.com/bankruptcy-blog/2012/11/thankful-for-bankruptcy-laws/) - Why we should be thankful for our bankruptcy laws in this country. - [Why Ignoring Bills And Debts Can Lead To Worse Problems Learn Your Options](https://bklaw.com/bankruptcy-blog/2012/11/ignore-bills-and-debts-at-your-own-peril/) - What should Dr. Opanin Gyaami have done instead of ignoring late notices for his student loans? Should he have filed bankruptcy? - [Deciding To File Bankruptcy: The Economics Of Your Options](https://bklaw.com/bankruptcy-blog/2012/11/sunk-costs-and-bankruptcy/) - When deciding whether to keep your home, file bankruptcy, or make any economic decision, these costs should never be factored in to your process. - [When Should You File Bankruptcy? What Other Options Should Be Considered?](https://bklaw.com/bankruptcy-blog/2012/10/when-should-you-file-bankruptcy/) - When, or if, to file bankruptcy can only be decided after weighing relevant costs and benefits after a comprehensive consultation with a qualified bankruptcy lawyer. - [Will Lance Armstrong Need to File Bankruptcy?](https://bklaw.com/bankruptcy-blog/2012/10/lance-armstrong-bankruptcy/) - Bankruptcy laws are designed to help society as a whole. Anyone, Lance Armstrong or you, can have a change of fortune that can lead to bankruptcy as a viable option. - [Dancer allowed to Strip in Bankruptcy Court Case](https://bklaw.com/bankruptcy-blog/2012/07/stripping-liens-in-bankruptcy/) - How can a dancer STRIP in their bankruptcy case and come out better off and with the blessing of the court? See more on the Letter "S"and lien stripping in my bankruptcy alphabet. - [San Bernardino Files Bankruptcy! (and so can you)](https://bklaw.com/bankruptcy-blog/2012/07/san-bernardino-files-bankruptcy-and-so-can-you/) - San Bernardino, one of the cities depicted in the hit song "Route 66" has filed for bankruptcy. Should you? - [M-Median Income In Bankruptcy: What Does It Mean? What Is The Means Test?](https://bklaw.com/bankruptcy-blog/2012/02/median-income-bankruptcy/) - How you can be below the median income and still not qualify for bankruptcy, and above the median and be able to qualify. Sound confusing? Learn why. - [Q: Debt Problems Are Like Being Stuck In Quicksand, But Bankruptcy Is A Rope](https://bklaw.com/bankruptcy-blog/2012/06/quicksand-and-bankruptcy/) - Credit card debts and financial problems can leave you stuck like you're in quicksand. Bankruptcy is a rope that can help pull you out and allow you to live. - [Can I File Bankruptcy and Keep Anything I Own?](https://bklaw.com/bankruptcy-blog/2012/06/file-bankruptcy-and-lose-nothing/) - How can someone file bankruptcy and keep everything? See how you can get rid of your debts, and keep all your assets. - [Recovering From Bankruptcy: 8 Tips to Help Get Your Life Back](https://bklaw.com/bankruptcy-blog/2012/05/recovering-from-bankruptcy/) - 8 easy to follow tips to get your life back on track after filing a bankruptcy case. - [P: Planning And What John Wooden Knew About Bankruptcy](https://bklaw.com/bankruptcy-blog/2012/05/p-is-for-planning/) - Failing to plan applies to bankruptcy as well as all aspects of life. John Wooden understood the need for planning. Do you? - [R: Renting After Bankruptcy: Can it Be Done?](https://bklaw.com/bankruptcy-blog/2012/04/renting-after-bankruptcy/) - Will landlords rent to a former bankrupt debtor? Does filing bankruptcy mean you're stuck living where you are now? - [How to Deal With Stress Associated with Bankruptcy](https://bklaw.com/bankruptcy-blog/2012/04/how-to-deal-with-stress-bankruptcy/) - Emotional stress often precedes and accompanies a bankruptcy filing. Here are some ways to deal with the most common factors, including debts owed to family members. - [Organization: Do You Need it For Bankruptcy?](https://bklaw.com/bankruptcy-blog/2012/03/being-organized-in-bankruptcy/) - Why is it important to be organized with your books, records, and finances before filing a bankruptcy case. - [Five Reasons Not To File Bankruptcy](https://bklaw.com/bankruptcy-blog/2012/03/5-reasons-against-bankruptcy/) - Tongue-in-cheek look at why you should ignore bankruptcy as an option for debt relief. - [Types of Debts Dischargeable in Bankruptcy](https://bklaw.com/bankruptcy-blog/2012/03/types-of-debts-dischargeable-in-bankruptcy/) - Types of debts dischargeable in bankruptcy cases and bankruptcy filings - [Bankruptcy Alphabet: N is for Numbers and New Bankruptcy Laws](https://bklaw.com/bankruptcy-blog/2012/03/numbers-and-new-bankruptcy-laws/) - Congress tried to reduce bankruptcy laws to a numbers game instead of treating those parties as people. Experienced bankruptcy attorneys and judges try to keep things equitable. - [K: Dangers of borrowing against 401k plans](https://bklaw.com/bankruptcy-blog/2012/01/retirement-borrowing-dangers/) - Borrowing against your 401k or retirement accounts can have serious consequences, particularly when trying to file a bankruptcy. Learn the risks before borrowing. - [Justice in Bankruptcy: What Does it Mean?](https://bklaw.com/bankruptcy-blog/2012/01/bankruptcy-justice/) - What is justice and how does it relate to bankruptcy? Does bankruptcy achieve a fair and just result, or is it unbalanced? - [I: is for Insiders in bankruptcy](https://bklaw.com/bankruptcy-blog/2011/12/i-is-for-insiders-in-bankruptcy/) - What are the down-sides to being an "insider" in a bankruptcy case? Examination of pre-bankruptcy preferential transfers (repayments) to relatives and others. - [H is for House and How to Keep it in Bankruptcy](https://bklaw.com/bankruptcy-blog/2011/12/h-is-for-house/) - Can you keep your house in bankruptcy? If so, how? - [G: Gifts In Bankruptcy: Are they Income? Are they Assets? How Are They Treated?](https://bklaw.com/bankruptcy-blog/2011/11/g-is-for-gifts/) - Gifts and bankruptcy. Gifts you make and gifts you receive prior to filing bankruptcy can have significant consequences in a bankruptcy case. Learn why. - [F is for Forgiveness of Debt. Or is it?](https://bklaw.com/bankruptcy-blog/2011/11/f-is-for-forgiveness-of-debt-or-is-it/) - Not only can bankruptcy eliminate debts, it can prevent forgiveness of debt from becoming taxable income. - [Things a Debt Collector Won't Tell You](https://bklaw.com/bankruptcy-blog/2011/10/things-debt-collector-wont-tell-part-i/) - Don't let debt collectors intimidate you. Learn some basics that will help you separate fact from fiction when dealing with them - [Stopping Foreclosure: Better By Prayer or Bankruptcy Planning?](https://bklaw.com/bankruptcy-blog/2011/10/stopping-foreclosure-with-bankruptcy/) - Is the best method of stopping a foreclosure sale wishful thinking and prayer, or consultation with a bankruptcy attorney? - [Bankruptcy Filing Fee Increase](https://bklaw.com/bankruptcy-blog/2011/10/bankruptcy-filing-fee-increase/) - The fees for commencing a bankruptcy case are increasing on November 1, 2011. Other fees are also increasing - [Reaffirmation Agreement And Bankruptcy Discharge Check Your Terms Carefully](https://bklaw.com/bankruptcy-blog/2011/10/bankruptcy-discharge-reaffirmation-agreement/) - A reaffirmation agreement can be trumped by a bankruptcy discharge. That's good and bad, depending on your needs. Learn more here. - [How Do I Know Which Debts Were Discharged In Bankruptcy?](https://bklaw.com/bankruptcy-blog/2011/09/debts-discharged-bankruptcy/) - All you get from the court is a one-page general notice of discharge. How do you know which debts you don't have to pay? - [Do I Need An Attorney To File A Bankruptcy Case? Do It Yourself? Paralegal?](https://bklaw.com/bankruptcy-blog/2011/08/need-attorney-file-bankruptcy/) - Why it is very important in most cases to hire an attorney for bankruptcy and what to look for when hiring a bankruptcy attorney instead of a paralegal or petition preparer in California. - [Wage Garnishment and Bankruptcy Filing](https://bklaw.com/bankruptcy-blog/2011/08/wage-garnishment-bankruptcy-filing/) - When should you consult a bankruptcy attorney? Before or After a Wage Garnishment? - [The Bankruptcy Means Test. How Does It Work? What Does It Mean?](https://bklaw.com/bankruptcy-blog/2012/08/means-test-in-bankruptcy-california/) - Explanation of the bankruptcy means test and what it means for Chapter 7 eligibility by a Los Angeles, California bankruptcy lawyer. - [What Happens After Divorce When Ex-spouse files Bankruptcy?](https://bklaw.com/bankruptcy-blog/2011/06/ex-spouse-didnt-pay/) - What happens when your ex-spouse doesn't pay your credit card and other debts as ordered by the Divorce Court? Do you have to pay them? - [Los Angeles Dodgers File Chapter 11](https://bklaw.com/bankruptcy-blog/2011/06/los-angeles-dodgers-file-chapter-11/) - the Los Angeles Dodgers, Inc. a Delaware Corporation, filed for protection under Chapter 11 of the United States Bankruptcy Code. T - [The Difference Between an Attorney and a Lawyer](https://bklaw.com/bankruptcy-blog/2008/06/the-difference-between-attorney-and-a-lawyer/) - What is the difference between an attorney and a lawyer? - [Is IRS Form 1099 Received After Bankruptcy Considered Income? Solutions](https://bklaw.com/bankruptcy-blog/2011/04/forgiven-debts-effect-on-taxes/) - Filing tax returns after bankruptcy - [Bankruptcy: How to Cure Your Financial Problems and Regain Your Power](https://bklaw.com/bankruptcy-blog/2010/10/bankruptcy-and-financial-problems/) - How to take back the power and regain control over your financial situation by educating yourself on available options - [Failure to File Financial Management Course Form 423 in Bankruptcy](https://bklaw.com/bankruptcy-blog/2010/07/failure-to-file-bankruptcy-course-form23/) - Filing bankruptcy Form 23 in Los Angeles bankruptcy cases can be done after your case is closed. - [Should Your Corporation File Bankruptcy?](https://bklaw.com/bankruptcy-blog/2010/08/filing-bankruptcy-for-corporations/) - Should your business corporation file a chapter 7 or chapter 11 bankruptcy? What are the criteria and rules? - [Bankruptcy Consultations: Importance of Providing Information to Attorney](https://bklaw.com/bankruptcy-blog/2010/07/bankruptcy-consult-importance/) - The importance of providing requested financial and other information to your bankruptcy attorney to enable him to properly evaluate your options and eligibility - [Bankruptcy: Curing Financial Cancer and Waiting Too Long](https://bklaw.com/bankruptcy-blog/2010/06/waiting-too-long-to-file-bankruptcy/) - Treating financial problems with bankruptcy is like treating Cancer. If you wait too long to have it diagnosed and treated, you may be too late. - [You Can Still Eliminate Credit Card Debts and Some Taxes in Bankruptcy](https://bklaw.com/bankruptcy-blog/2010/02/you-can-still-eliminate-credit-card-debts-and-taxes-in-chapter-7/) - You can still get rid of credit card debt and some taxes in Chapter 7, 11, and 13 bankruptcy cases - [How to Lose a Chapter 7 Discharge: Failure to Keep Adequate Records](https://bklaw.com/bankruptcy-blog/2008/11/receipts-and-documentation/) - The importance of written documentation and receipts in bankruptcy cases. - [Are Private Student Loans Dischargeable in Bankruptcy? Different than Federal?](https://bklaw.com/bankruptcy-blog/2009/12/private-student-loans-in-bankruptcy/) - Are private student loans dischargeable in a bankruptcy case? It depends - [Congress Votes Against Home Loan Modification](https://bklaw.com/bankruptcy-blog/2009/12/congress-votes-against-bankruptcy-modification/) - The House of Representatives voted against legislations that would have allowed bankruptcy judges to modify home loans - [Chrysler Bankruptcy: The Trickle Down Effect](https://bklaw.com/bankruptcy-blog/2009/05/chrysler-bankruptcy/) - How is bankruptcy like a forest fire? Examining the trickle down effect of corporate bankruptcies. - [Chapter 13 Bankruptcy and Debt Consolidation](https://bklaw.com/bankruptcy-blog/2009/02/debt-consolidation-or-bankruptcy/) - discussion of the benefits of debt consolidation and repayment plans in chapter 13 bankruptcy - [repaying relatives and friends before bankruptcy](https://bklaw.com/bankruptcy-blog/2008/11/repaying-relatives-and-friends-before-bankruptcy/) - Problems with repaying relatives and friends before filing a bankruptcy case. - [Bankruptcy Attorneys and Debt Relief Agencies](https://bklaw.com/bankruptcy-blog/2008/09/debt-relief-agencies-definition/) - What is the difference between a Debt Relief Agency and an Attorney or Lawyer? - [Short Sales or Foreclosures: Which is Better?](https://bklaw.com/bankruptcy-blog/2008/09/short-sales-or-foreclosures-which-is-better/) - Is it better to do a short sale on your property, or just let the bank foreclose...or do something else when bankruptcy looms? - [Debt Charge-offs: Do you still owe the money?](https://bklaw.com/bankruptcy-blog/2008/08/debt-charge-offs/) - The truth about what happens to a debt you owe when it has been charged off. - [Is it OK to put my property in another's name?](https://bklaw.com/bankruptcy-blog/2008/07/transfer-assets-before-bankruptcy/) - Is it OK to transfer title or property before filing bankruptcy? - [It Costs Money to Go Broke](https://bklaw.com/bankruptcy-blog/2008/07/it-costs-money-to-go-broke/) - No money to file bankruptcy? Ironic that it costs money to go broke. - [Ninth Circuit Rules that Means Test Controls Chapter 13 Plan Length and Payment](https://bklaw.com/bankruptcy-blog/2008/06/means-test-controls-chapter-13-plan-length-and-payment/) - Means Test Controls Chapter 13 Plan Length and Payment according to the 9th Circuit Court of Appeals in Kagenveama - [Credit Card Interest Rates | Minimum Payments | Bankruptcy](https://bklaw.com/bankruptcy-blog/2008/06/credit-card-interest-rate-causing-bankruptcy/) - Do credit cards cause bankruptcy filings? A California bankruptcy attorney explains - [Bankruptcy Helps The Middle Class To Survive](https://bklaw.com/bankruptcy-blog/2016/05/bankruptcy-helps-middle-class-survive/) - As real wages decline and the cost of living rises, it becomes difficult to survive without borrowing beyond our means. Bankruptcy provides a legal way out. - [Chapter 13: How Plan Payments Work](https://bklaw.com/bankruptcy-blog/2016/09/chapter-13-how-plan-payments-work/) - Explanation of how the amount of the plan payment is determined in a Chapter 13 case. How a bankruptcy attorney analyzes the issues to get your plan approved. - [Bankruptcy Can Get Rid of Tax Debts But Only If Returns Are Filed](https://bklaw.com/bankruptcy-blog/2016/09/bankruptcy-can-get-rid-of-tax-debts/) - When you file your tax returns can affect whether you can get rid of them in a bankruptcy case. Once a Substitute Filed Return (SFR) is filed, you're in trouble - [Why Bankruptcy Trustees Prefer You To File Without An Attorney](https://bklaw.com/bankruptcy-blog/2016/11/why-bankruptcy-trustees-prefer-you-file-bankruptcy-without-attorney/) - Chapter 7 bankruptcy trustees make money by selling unprotected assets. Unrepresented debtors do not protect their assets properly. - [How Can I Be Responsible For Ex-Spouse Debts After Divorce?](https://bklaw.com/bankruptcy-blog/2017/05/responsible-for-ex-spouse-debts-after-divorce/) - Can you be responsible for debts of your spouse in a divorce? What if you are and don't pay them? Can you file bankruptcy to eliminate? Can your ex do the same? - [Bankruptcy: Freedom and Relief From Debts?](https://bklaw.com/bankruptcy-blog/2017/07/bankruptcy-freedom-debt-relief/) - Is filing bankruptcy the best option for debt relief? How do most people deal with debts and what options are available? - [Beware Of Bankruptcy Loan Modification Advice](https://bklaw.com/bankruptcy-blog/2017/09/beware-of-bankruptcy-loan-modification-advice/) - Loan modification agents may tell you to do things without advising of risks. Always consult with a bankruptcy attorney before seeking loan modifications. - [What Happens When You Ignore Debt Collectors](https://bklaw.com/bankruptcy-blog/2017/12/dont-ignore-debts-and-collectors/) - Bankruptcy can solve many problems, but not if you wait too long. Ignoring debts and collectors can have big consequences. Always learn your options first. - [Foreclosure Defense And Bankruptcy](https://bklaw.com/bankruptcy-blog/2018/03/foreclosure-defense-and-bankruptcy/) - There are limited ways to stop foreclosure sales. Bankruptcy options should be your first step, not the last, when deciding how to deal with threatened property foreclosure. - [Discharging consolidated debts in bankruptcy](https://bklaw.com/bankruptcy-blog/2008/07/discharging-consolidated-debts-in-bankruptcy/) - Information on discharging consolidated debts or repayment plan debts in bankruptcy. - [Do you Need to Do The Means Test in Chapter 13?](https://bklaw.com/bankruptcy-blog/2009/09/means-test-chapter13/) - Does filing Chapter 13 instead of Chapter 7 alleviate the requirement of the means test? - [SB 61: Eliminate Mortgage Liens in Chapter 13](https://bklaw.com/bankruptcy-blog/2009/01/eliminate-mortgage-liens-in-chapter-13/) - On January 6, 2009, Senator Dick Durbin (D, IL) introduced Senate Bill 61 called the "Helping Families Save Their Homes in Bankruptcy Act of 2009." The bill has several provisions, which can be analyzed by following the above link, but the main purpose of the bill is to allow homeowners in a Chapter 13 bankruptcy - [New Bankruptcy Mortgage Modification Dropped](https://bklaw.com/bankruptcy-blog/2009/04/new-bankruptcy-mortgage-modification-dropped/) - The new bankruptcy mortgage modification plan has been, or is expected to shortly be, dropped from its agenda. - [Means Test: 401k loan repayment not an Expense](https://bklaw.com/bankruptcy-blog/2009/05/means-test-401k-loan-repayment/) - Court rules 401k loan repayments cannot be used in budget on means test to determine eligibility to file bankruptcy. - [Means Test Median Income Figures Reduced Again](https://bklaw.com/bankruptcy-blog/2010/10/means-test-median-income-figures-reduced/) - Median Income levels for bankruptcy means test being lowered for cases filed after October 31, 2010 - [Things Debt Collectors Won't Tell You (Part 2)](https://bklaw.com/bankruptcy-blog/2011/10/things-debt-collectors-wont-tell-part2/) - Learn important facts about debt collectors that may surprise you. Secrets to becoming proactive in dealing with your debts and taking control. - [Means Test in Bankruptcy; Gifts vs. Loans](https://bklaw.com/bankruptcy-blog/2011/07/means-test-in-bankruptcy-gifts-vs-loans/) - Must gifts or loans be included in the income analysis for the dreaded "means test" in bankruptcy? - [Student Loan Relief in California May Be Near](https://bklaw.com/bankruptcy-blog/2013/04/student-loan-relief-in-california-may-be-near/) - Assembly Bill 233 was introduced to make it illegal for private student loan lenders to garnish wages of those delinquent on repayment. ## Pages - [Home](https://bklaw.com/) - Certified Bankruptcy Specialist, Lawyer Mark J. Markus. Best Free Phone Consults. Representation under Chapter 7, 11 and 13. Offices in Burbank and Los Angeles. - [Contact](https://bklaw.com/contact-3/) - [et_pb_section fb_built=”1″ _builder_version=”4.17.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Text” _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”]Contact Us [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.17.5″ _module_preset=”default” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Text” _builder_version=”4.17.5″ _module_preset=”default” global_colors_info=”{}”]Thank you for visiting our website. If you wish to schedule a consultation, you may schedule online below or you may contact us via email through - [About Bankruptcy Attorney Mark J. Markus Certified Specialist Bankruptcy](https://bklaw.com/california-bankruptcy-lawyer/) - Details on California bankruptcy attorney Mark J. Markus, a certified bankruptcy specialist. - [What Happens After a Bankruptcy is Filed in Los Angeles?](https://bklaw.com/after-bankruptcy-filed/) - Information on the bankruptcy process after a Chapter 7 or Chapter 13 case is filed in California by attorney and certified specialist Mark J. Markus. - [Chapter 13 Bankruptcy Attorney Los Angeles - Mark J. Markus](https://bklaw.com/chapter-13/) - Information on how Chapter 13 bankruptcy works by attorney Mark J. Markus in Los Angeles California. What can Chapter 13 do? - [Student Loan Bankruptcy Lawyer In Burbank, California Mark J. Markus](https://bklaw.com/student-loans-in-bankruptcy/) - [et_pb_section fb_built=”1″ admin_label=”Section1″ _builder_version=”4.17.4″ _module_preset=”default” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]Student Loan Debt Bankruptcy Lawyer in California[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]Educational student loan debt is perhaps the biggest debt problem in the United States today. And those in California are no exception. - [Appointments Scheduling With Bankruptcy Attorney Mark J. Markus](https://bklaw.com/appointments/) - [et_pb_section fb_built=”1″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}” admin_label=”Section”][et_pb_row _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}” admin_label=”Row”][et_pb_column type=”4_4″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”Text” _builder_version=”4.27.0″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Appointment Scheduling Options for Mark J. Markus I offer the following appointment options. All appointment types cover the same information. Telephone Consult – Free for initial bankruptcy consultations for individuals for most appointment types Video - [Best Bankruptcy Attorney Van Nuys - Mark J. Markus - Chapter 7 13 11](https://bklaw.com/best-bankruptcy-attorney-van-nuys/) - Does "best" bankruptcy attorney mean most expensive? How do you find the best in Van Nuys? What are the costs and what do you look for? - [Chapter 11 Bankruptcy Attorney Los Angeles Mark J. Markus](https://bklaw.com/chapter-11/) - Information on Chapter 11 bankruptcy by an attorney and Board Certified Specialist for individuals and businesses in Los Angeles, California. - [Bankruptcy Term Definitions Mark J. Markus Lawyer CA](https://bklaw.com/bankruptcy-definitions/) - Definitions of common bankruptcy terms. What is the meaning of the automatic stay? What is a debtor? Learn the meanings. - [Attorney Mark J. Markus Bankruptcy Services- Whom I Represent And Where](https://bklaw.com/bankruptcy-services/) - Who I Can Represent, And Where My practice is limited to bankruptcy courts in the State of California. I represent debtors (those needing to file bankruptcy) and creditors (those owed money by a party who filed a bankruptcy) in Chapter 7, Chapter 11, and Chapter 13 cases if the cases are filed as set forth - [Meeting With Trustee in Bankruptcy](https://bklaw.com/trustee-meeting/) - Information about the Trustee's Meeting, known also as the "meeting of creditors" process in Chapter 7, Chapter 11 and Chapter 13 bankruptcy cases. - [Frequently Asked Questions on Bankruptcy (FAQ) Mark J. Markus Attorney](https://bklaw.com/california_bankruptcy/) - Frequently asked questions about California bankruptcy information by Mark J. Markus, bankruptcy attorney. - [Sitemap](https://bklaw.com/sitemap/) - User sitemap for Law Office of Mark J. Markus. Quickly access our vast library of bankruptcy law articles. - [Table of Contents- Law Office of Mark J. Markus](https://bklaw.com/contents/) - BANKRUPTCY TABLE OF CONTENTS Below is a list of all my articles and bankruptcy law pages. Can't find what you're looking for? Just use the search bar and enter what you're looking for! - [medical debt and bankruptcy](https://bklaw.com/medical-debt-and-bankruptcy/) - Our Los Angeles bankruptcy lawyer assists with medical debt and bills by filing a chapter 7, 11, or 13 case. Contact our California attorney today for assistance. - [Does Bankruptcy Clear Taxes? How To File To Discharge Tax Debts and Liens](https://bklaw.com/bankruptcy-taxes/) - Bankruptcy tax issues. Can taxes and tax debt be eliminated or discharged in bankruptcy? Getting rid of taxes is possible if certain criteria are met. - [wage garnishment and bankruptcy](https://bklaw.com/wage-garnishment-and-bankruptcy/) - Our Los Angeles bankruptcy lawyer assists California residents with ending a wage garnishment. Our attorney can file a chapter 7, 11, or 13 case. Call today. - [credit cards and bankruptcy](https://bklaw.com/credit-cards-and-bankruptcy/) - Our Los Angeles bankruptcy lawyer assists those struggling with credit card debt. Our attorney handles chapter 7, 11, and 13 cases in California. - [bankruptcy means test](https://bklaw.com/bankruptcy-means-test/) - Our Los Angeles lawyer assists California residents with the bankruptcy means test. Our attorney handles cases involving chapter 7, chapter 11, and chapter 13. - [bankruptcy exemptions](https://bklaw.com/bankruptcy-exemptions-2/) - Our Los Angeles bankruptcy lawyer helps California residents maximize their exemptions in cases involving chapters 7, 11, and 13. Call our attorney today. - [Stop Foreclosure Sales With Bankruptcy](https://bklaw.com/stop-foreclosure-with-bankruptcy/) - How bankruptcy can stop foreclosure sales on mortgages in Los Angeles California - [Small Business Bankruptcy Attorney Mark J. Markus - Chapter 11 and Chapter 7](https://bklaw.com/business-bankruptcy/) - Los Angeles Business bankruptcy information for small businesses corporation or partnership; Chapter 11 and Chapter 7 - [Appointments - Why I Charge For Consultations](https://bklaw.com/appointments-1/consult-fees/) - WHY DON'T YOU OFFER A FREE CONSULTATION? Lots of lawyers provide a free consultation. You get just enough information to convince you they know what they're doing, then they quote a fee and rush you out the door. Don't expect any advice, guidance, or answers. You can also get a free consultation from a non-attorneys - [Debt Settlement Attorney Mark J. Markus | Credit Cards Medical Business](https://bklaw.com/debt-settlement-attorney/) - Our Los Angeles debt settlement lawyer assists with credit card debt, medical bills, and more. Our bankruptcy attorney assists other California areas as well. - [Creditor Rights Bankruptcy Information Mark J. Markus Bankruptcy Atty](https://bklaw.com/creditor-information/) - Rights and Information for bankruptcy creditors. Answers to Frequently Asked Questions about creditor rights. - [Should I File Or Declare Bankruptcy And When Should I File? Mark J. Markus](https://bklaw.com/declare-bankruptcy/) - How to File Bankruptcy in Los Angeles California and determine if you need to do so. - [Chapter 7 Bankruptcy Attorney Burbank Los Angeles](https://bklaw.com/chapter-7/) - Information on Chapter 7 personal bankruptcy from a Los Angeles bankruptcy attorney. - [Certified Bankruptcy Specialist Mark J. Markus - California Bankruptcy Attorney](https://bklaw.com/bankruptcy-specialist/) - What it means and takes to be a Certified Bankruptcy Specialist attorney by the State Bar of California Board of Legal Specialization. - [Best Bankruptcy Attorney Simi Valley Mark J. Markus Certified Specialist](https://bklaw.com/best-bankruptcy-attorney-simi-valley/) - Finding the best bankruptcy lawyer in Simi Valley requires doing some research. Make sure you know what to look for. - [What Is Bankruptcy And How Does It Work?](https://bklaw.com/what-can-bankruptcy-do-for-you/) - Filing bankruptcy can accomplish many things. Bankruptcy is a federal legal process which allows debtors (those who owe debts) to eliminate ("discharge") their personal liability on or "reorganize" their debts. Not all debts can be discharged. But most can. See more: Which Debts Can Be Discharged? The bankruptcy laws are designed to balance the interests of - [Credit Repair After Bankruptcy: How To Improve Your Credit Score](https://bklaw.com/credit-repair/) - Information and resources on how to rebuild and repair your credit after filing a bankruptcy case. - [Privacy Policy--Law Office of Mark J. Markus](https://bklaw.com/privacy-policy-law-office-of-mark-j-markus/) - Privacy Policy of Law Office of Mark J. Markus - [Best Bankruptcy Lawyer Pasadena - Mark J. Markus - Chapter 7 13 11](https://bklaw.com/best-bankruptcy-attorney-pasadena/) - Does "best" bankruptcy attorney mean most expensive? How do you find the best in Pasadena? What are the costs and what do you look for? - [Bankruptcy Trustee Lawsuits Against Creditors Mark J. Markus Attorney](https://bklaw.com/creditor-information/trustee-lawsuits/) - Here's the scenario: You have rendered services or sold goods to someone in the past. Probably they still owe you money. Then, they file bankruptcy. Sometime within the next two years you open your mail and there is a summons and complaint seeking to have you pay back money to the bankrupt's estate. Usually this is brought - [Markus Consultation FAQs](https://bklaw.com/consultmain/consultation-faqs/) - Answers to frequently asked questions regarding consultations with Mark J. Markus - [Individual Preliminary Consult](https://bklaw.com/consultmain/individual/) - HOME PAGE BANKRUPTCY CONSULT FORM FOR INDIVIDUALS Please complete the form below and schedule your appointment: **If you prefer not to submit your information online, you may print out the forms to complete and return. (The print-out forms are a bit more detailed, which can be beneficial if you have variable incomes). You do not need - [Appointment Scheduling 2](https://bklaw.com/appointment-scheduling-2/) - Thank you for submitting your information. It has been received and you are now ready to schedule your appointment. Please follow the directions below. Scheduling Your Appointment (Please choose one. We go over exactly the same things in the phone and office consults) Which Type Of Consultation Do You Prefer? (click on the green button ## Categories - [Bankruptcy Law](https://bklaw.com/bankruptcy-blog/category/bankruptcy-law/) - [Elder Issues](https://bklaw.com/bankruptcy-blog/category/elder-bankruptcy-issues/) - [Seniors and Bankruptcy](https://bklaw.com/bankruptcy-blog/category/seniors-and-bankruptcy/) - [General Issues](https://bklaw.com/bankruptcy-blog/category/general-bankruptcy-issues/) - [chapter 13](https://bklaw.com/bankruptcy-blog/category/chapter-13-bankruptcy-law/) - [Los Angeles BK Issues](https://bklaw.com/bankruptcy-blog/category/los-angeles-bankruptcy/) - [Foreign Country filing](https://bklaw.com/bankruptcy-blog/category/filing-from-foreign-country/) - [Unique Issues](https://bklaw.com/bankruptcy-blog/category/unique-issues/) - [means test](https://bklaw.com/bankruptcy-blog/category/means-test/) - [Recent Court Decisions](https://bklaw.com/bankruptcy-blog/category/recent-bankruptcy-case-decisions/) - [Bankruptcy Fees](https://bklaw.com/bankruptcy-blog/category/bankruptcy-fees/) - [Miscellaneous](https://bklaw.com/bankruptcy-blog/category/miscellaneous/) - [chapter 11](https://bklaw.com/bankruptcy-blog/category/chapter-11/) - [chapter 7](https://bklaw.com/bankruptcy-blog/category/chapter-7/) - [debts in bankruptcy](https://bklaw.com/bankruptcy-blog/category/debts-in-bankruptcy/) - [reaffirmations](https://bklaw.com/bankruptcy-blog/category/reaffirmation-agreements/) - [Uncategorized](https://bklaw.com/bankruptcy-blog/category/uncategorized/) - [transfers](https://bklaw.com/bankruptcy-blog/category/transfers/) - [new bankruptcy laws](https://bklaw.com/bankruptcy-blog/category/new-bankruptcy-laws/) - [foreclosures, etc.](https://bklaw.com/bankruptcy-blog/category/foreclosures-and-short-sales/) - [real estate issues](https://bklaw.com/bankruptcy-blog/category/real-estate-issues/) - [lien stripping](https://bklaw.com/bankruptcy-blog/category/lien-stripping-chapter-13-bankruptcy-law-bankruptcy-law/) - [debt consolidation](https://bklaw.com/bankruptcy-blog/category/debt-consolidation-bankruptcy-law/) - 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