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EH Law Group

5 Signs That You Are Living Beyond Your Means

Today, many Americans now have access to credit cards, personal loans, and payday loans. While these tools can be a lifesaver during emergencies, many people end up overspending without thinking about what they can actually afford. Unfortunately, living beyond your means can make you rack up debts and put you into financial instability.
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EH Law Group

Paying Your Bills When You’ve Been Laid Off

It’s an unfortunate reality that employers can lay off workers for all sorts of reasons. And in an uncertain economy, you never know when you might be among them. More than 52,000 California employees were laid off during the first six months of 2023 alone—most of them in the southern part of the state.
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EH Law Group

Preparing for Bankruptcy

Bankruptcy is among the promising options for individuals, families, and businesses going through financial distress to seek debt relief or a financial fresh start. However, filing for bankruptcy in California usually involves several complicated procedures.
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EH Law Group

Can I File for Bankruptcy if I Lost My Job?

According to data from the U.S. Bureau of Labor Statistics, about 16.8 million individuals lost their jobs in 2022. Losing a job can have a devastating effect on your financial and emotional health. When experiencing financial anguish after a job loss, filing for bankruptcy is an option to achieve debt relief.
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EH Law Group

Understanding the Rights and Limitations of Creditors

According to the Federal Reserve Bank of New York, Americans’ total credit card balance stood at $986 billion in the first quarter of 2023, the highest level since they began tracking in 1999. Given these statistics—and taking rising rates of inflation into account—it’s not unusual for individuals and families to suddenly be worried about meeting their credit card and other debt obligations.
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EH Law Group

Dispelling Bankruptcy Myths

The word “bankruptcy” can send chills down people’s spines, with thoughts of losing everything and permanent financial ruin. When it comes to bankruptcy, there are many misconceptions about the process.
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EH Law Group

My Mortgage Forbearance Ended. Now What?

The Coronavirus Aid, Relief, and Economic Security (CARES) Act provided $2 trillion in federal funds to help Americans through the pandemic when the country faced lockdowns, and people’s income paused.
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EH Law Group

When Is Filing Bankruptcy a Good Option?

Nobody looks forward to the day when they have to file for bankruptcy, but in most cases, this will be the best decision to help get your finances back in order. Recently, the amount of bankruptcies in California has actually dropped with the number of filings in the Northern District steadily declining over the last five years, from a high of 8,656 in 2018 to 3,902 in 2022, according to the US Bankruptcy Court.
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EH Law Group

The Difference Between Chapter 7 and Chapter 13

Although most people are familiar with the basics of what filing for bankruptcy means, they may not adequately understand the difference between chapter 7 bankruptcy and chapter 13 bankruptcy. According to the US Bankruptcy Court, there were 2,378 chapter 7 filings and 1,382 chapter 13 filings in the Northern District of California in 2022, which includes those living in the Bay Area.
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