Legal Blog
Knowledge is Powerful
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![Big Life Change in 2024? Steps to Take Before End of Year]()
Big Life Change in 2024? Steps to Take Before End of Year
As the year draws to a close, it's a natural time to reflect on any big changes that may have come your way in 2024. Whether you've recently gotten married, divorced, welcomed a new child, or bought aRead more -
![5 Signs That You Are Living Beyond Your Means]()
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 witRead more -
![Bankruptcy May Not Be Fun, but Our Firm Makes It Easy]()
Bankruptcy May Not Be Fun, but Our Firm Makes It Easy
Although bankruptcy may not be fun, we make it easy. The most difficult step in filing for chapter 7 bankruptcy is making the decision to contact an Attorney. Many of our clients diRead more -
![CHAPTER 13 109(E) DEBT LIMITS]()
CHAPTER 13 109(E) DEBT LIMITS
The 109(e) limits for a consumer chapter 13 case are $336,900 for unsecured debts and $1,010,650 for secured debts. These debt limits are reasonable if a Debtor has one or two propeRead more -
![California Homestead Exemptions Increase in 2010]()
California Homestead Exemptions Increase in 2010
Effective January 1, 2010 the California homestead exemption will increase and it is about time. A single person will be allowed $75,000; a married couple $100,000 and elderly or diRead more -
![Can I Continue to Pay Into a Retirement Account Under Chapter 13?]()
Can I Continue to Pay Into a Retirement Account Under Chapter 13?
One of the questions we often hear at EH Law Group is whether it's possible to continue making voluntary contributions to retirement accounts during a Chapter 13 bankruptcy. The ansRead more -
![Can I File for Bankruptcy More Than Once?]()
Can I File for Bankruptcy More Than Once?
When overwhelmed with debts, bankruptcy is among the possible options to achieve relief or get a fresh financial start. However, you won't automatically become immune to financial cRead more -
![Can I File for Bankruptcy if I Lost My Job?]()
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 iRead more -
![Chapter 13 Bankruptcy Lawyer]()
Chapter 13 Bankruptcy Lawyer
If you are struggling with your finances, you may need to seek out Chapter 13 bankruptcy lawyer. With the help of a trained legal team, you canRead more -
![Dispelling Bankruptcy Myths]()
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 misconceptioRead more -
![Documents You Will Need to Submit to File for Bankruptcy]()
Documents You Will Need to Submit to File for Bankruptcy
Bankruptcy: it's a word that carries a weight of worry and stress for many. But as we venture into this topic, let's remember one thing—bankruptcy isn't a dead end. It's a legal tooRead more -
![Does Bankruptcy Affect Social Security Income?]()
Does Bankruptcy Affect Social Security Income?
Making the decision to file for bankruptcy is never easy, especially for those who rely on Social Security income as their primary or sole source of financial support.Read more -
![Galileo Recent Settlement Options]()
Galileo Recent Settlement Options
Parents who signed up for Galileo Summer Camps recently got an email or letter giving them (3) Options regarding their prepaid camp funds. Here is a summary:Read more -
![Hiding Assets in Bankruptcy]()
Hiding Assets in Bankruptcy
Bankruptcy is designed to give individuals and businesses a fresh start by discharging their debts. However, some people might be tempted to hide assets to protect them from being uRead more -
![How Bankruptcy Affects Tax Returns]()
How Bankruptcy Affects Tax Returns
With financial uncertainty on the rise, many individuals are considering bankruptcy to manage mounting debts. However, the implications of bankruptcy extend beyond immediate debtRead more -
![How Bankruptcy Affects Your Spouse]()
How Bankruptcy Affects Your Spouse
Statistics show that people filing for bankruptcy protection in California file for chapter 7 bankruptcy 80 percent of the time and for Chapter 13 bankruptcy 20 percent of the time.Read more -
![How Long Does Bankruptcy Appear on a Credit Report?]()
How Long Does Bankruptcy Appear on a Credit Report?
Bankruptcy, of course, is a frightening concept to most people. It seems like an admission of failure or even a scar on your personal integrity, but it can have many benefits. MoRead more -
![How Will Bankruptcy Affect Me in the Workplace?]()
How Will Bankruptcy Affect Me in the Workplace?
The decision to declare bankruptcy is not one taken lightly, especially when considering its potential repercussions on your job. Whether you're considering filing for bankruptcy orRead more -
![Joint Accounts and Bankruptcy]()
Joint Accounts and Bankruptcy
A joint bank account is an account shared by two or more individuals, typically used by couples, business partners, or family members. Both parties have access to the funds in the aRead more -
![Medical Debt and Bankruptcy]()
Medical Debt and Bankruptcy
Dealing with medical debt can be overwhelming. It's a burden that many Americans face, and it's important to know you're not alone. At EH Law Group, we're here to guide you throughRead more -
![Modifying a Repayment Plan Under Chapter 13]()
Modifying a Repayment Plan Under Chapter 13
Life is full of surprises, and you never know when the plot of your personal story will take an unexpected turn. While some plot twists are welcome and wonderful, others are more chRead more -
![Mortgage Modifications: Beware]()
Mortgage Modifications: Beware
I had a client express their frustration with their mortgage lender with a theme all too familiar to me. They requested a mortgage modification to reduce their interest rate and monRead more -
![My Mortgage Forbearance Ended. Now What?]()
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, andRead more -
![Offer in Compromise Eligibility]()
Offer in Compromise Eligibility
Life can take unexpected twists and turns, leading many of us down a road of financial uncertainty. It's during these challenging times that the concept of an Offer in Compromise (ORead more -
![Our San Francisco Bankruptcy Attorney Discusses Benefits of Chapter 13 Bankruptcy]()
Our San Francisco Bankruptcy Attorney Discusses Benefits of Chapter 13 Bankruptcy
Bankruptcy can be a hard decision to make due to the complexity of each individuals situation. Many people tend to shy away from the Chapter 13 bankruptcy because they do not know aRead more -
![Our San Francisco Bankruptcy Attorney Talks About New Loan Modification Law]()
Our San Francisco Bankruptcy Attorney Talks About New Loan Modification Law
If you are a person that has been struggling with getting a loan modification in San Francisco or San Jose, do not feel beaten, because as of June 1, 2010 the new HAMP laws came intRead more -
![Our San Jose Bankruptcy Attorney Discusses Bankruptcy and Stopping Foreclosure]()
Our San Jose Bankruptcy Attorney Discusses Bankruptcy and Stopping Foreclosure
One home in every 111 homes in the U.S. is currently facing foreclosure. About a million home foreclosures have been pushed back from previous years to be foreclosed on permanentlyRead more -
![Our San Jose Bankruptcy Attorney Discusses Short Sales and Foreclosures]()
Our San Jose Bankruptcy Attorney Discusses Short Sales and Foreclosures
It’s a very difficult decision that many San Jose and Bay Area residents have to make: to have your house go into a short sale or foreclosure. First, a short sale can prove to be diRead more -
![Our San Mateo Bankruptcy Attorney Discusses Galileo Bankruptcy]()
Our San Mateo Bankruptcy Attorney Discusses Galileo Bankruptcy
On May 6, 2020, Galileo Learning, Inc. filed for Chapter 11 Bankruptcy. For parents in the Bay Area, that meant all camps including summer camps were cancelled. Lucky parents were gRead more -
![Paying Your Bills When You’ve Been Laid Off]()
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 CRead more -
![Preparing for Bankruptcy]()
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, filingRead more -
![REAFFIRM OR NOT TO REAFFIRM]()
REAFFIRM OR NOT TO REAFFIRM
While in the active bankruptcy, Debtors are given the opportunity to enter into a reaffirmation agreement for property with secured liens (most common for vehicle liens). The agreemRead more -
![Repairing Your Credit After Filing for Bankruptcy]()
Repairing Your Credit After Filing for Bankruptcy
According to the American Bankruptcy Institute (ABI), bankruptcy filings in January of 2023 were up by 19 percent nationwide over 2022. Chapter 7 filings were up from 15,177 to 16,6Read more -
![San Francisco Bankruptcy Attorney Discusses Second Mortgages and Lien Strips]()
San Francisco Bankruptcy Attorney Discusses Second Mortgages and Lien Strips
Buying property has always been a good investment, up until it wasn’t. Growing up, we always hear that property investment was a more safe and valuable investment than any other kinRead more -
![San Francisco Bankruptcy Attorney Discusses Supreme Court Ruling on DOMA and Effects on Bankruptcy]()
San Francisco Bankruptcy Attorney Discusses Supreme Court Ruling on DOMA and Effects on Bankruptcy
Today the Supreme Court struck down an important part of the Defense of Marriage Act. The Defense of Marriage Act by the federal government defines marriage as only between a man anRead more -
![San Francisco Bankruptcy Attorney Discusses Toni Braxton’s Bankruptcy]()
San Francisco Bankruptcy Attorney Discusses Toni Braxton’s Bankruptcy
Bankruptcy affects millions of people in the U.S. every year and many of those people are familiar faces that we have seen before. Willie Nelson, Debbie Reynolds, Mark Twain, RembraRead more -
![San Jose Bankruptcy Attorney Discusses Another Foreclosure Wave]()
San Jose Bankruptcy Attorney Discusses Another Foreclosure Wave
It has been apparent that foreclosure notices are springing up more frequently in every neighborhood in the Bay Area. But the worse has yet to come. Zillow expects the resurgence inRead more -
![San Jose Bankruptcy Attorney Discusses Creditor Lawsuits]()
San Jose Bankruptcy Attorney Discusses Creditor Lawsuits
There has been a large wave of debtors who have been sued by the creditors in the last few years. The situation is one that many are familiar with. You, the debtor, have surmountingRead more -
![San Jose Bankruptcy Attorney Discusses Wage Garnishments]()
San Jose Bankruptcy Attorney Discusses Wage Garnishments
You never thought they would take it this far, but they did. You realize that they can find you anywhere and at anytime and take what you have worked so hard for. This isn’t the ploRead more -
![San Mateo Bankruptcy Attorney Discusses Divorce and Bankruptcy]()
San Mateo Bankruptcy Attorney Discusses Divorce and Bankruptcy
We’ve all heard the old adage, “when it rains it pours” and it is never more true than when a couple files for divorce and then must also file for bankruptcy. Divorces can be costlyRead more -
![San Mateo Bankruptcy Attorney Discusses Galileo Proof of Claim]()
San Mateo Bankruptcy Attorney Discusses Galileo Proof of Claim
Are you a parent who paid a large summer camp deposit only to find out that Galileo has filed for bankruptcy? If so, then you are probably wondering if you can get a refund or are yRead more -
![San Mateo Bankruptcy Attorney Discusses Stockton Chapter 9 Bankruptcy]()
San Mateo Bankruptcy Attorney Discusses Stockton Chapter 9 Bankruptcy
In June of this year, Stockton, California became the largest city in the U.S. to file for bankruptcy. After failing talks with creditors, Stockton became a Chapter 9 debtor. Bob DiRead more -
![The Dangers of Overspending for The Holidays in San Mateo]()
The Dangers of Overspending for The Holidays in San Mateo
As the holidays approach, many Americans feel obligated to spend more and buy more. This is a dangerous practice that can lead to financial problems in the future. In this blog postRead more -
![The Difference Between Chapter 7 and Chapter 13]()
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 13Read more -
![The Pros and Cons of Chapter 7 Bankruptcy]()
The Pros and Cons of Chapter 7 Bankruptcy
Chapter 7 Bankruptcy is often seen as a “do or die” choice for individuals and businesses that have found themselves in an unfortunate financial situation.Read more -
![The Time to Save Is Now]()
The Time to Save Is Now
Let’s face it; we are not getting any younger and that means we have less time to save for the future. If your working career is consumed with repaying your debts, how will you saveRead more -
![Three Ways to Avoid Getting Your Chapter 13 Case Dismissed]()
Three Ways to Avoid Getting Your Chapter 13 Case Dismissed
Sometimes our clients feel so much relief from the bankruptcy filing that they neglect to follow the court ordered rules in a chapter 13 case. 1.Read more -
![Tips for Selecting the Right Bankruptcy Attorney]()
Tips for Selecting the Right Bankruptcy Attorney
The decision to file for bankruptcy can be a difficult choice, so don’t make it more difficult by hiring the wrong bankruptcy attorney. Here are some tips to consider when selectingRead more -
![Understanding the Rights and Limitations of Creditors]()
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 trackiRead more -
![What Not to Do Before Filing for Bankruptcy]()
What Not to Do Before Filing for Bankruptcy
Bankruptcy can be a frightening word. Many people equate it with losing everything and never being able to get credit again to buy a car or home. For the most part, those fears areRead more -
![What You Need to Know About Bankruptcy and Divorce]()
What You Need to Know About Bankruptcy and Divorce
According to a recent report, more than 3.7 million families in California don’t make enough income to meet their basic needs. As a result, many couples in California facing financiRead more -
![What if I Can’t Fulfill the Repayment Plan Under Chapter 13?]()
What if I Can’t Fulfill the Repayment Plan Under Chapter 13?
Life is unpredictable, and sometimes despite our best efforts and intentions, we find ourselves grappling with financial hardships that can derail even the most meticulously plannedRead more -
![When Is Filing Bankruptcy a Good Option?]()
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 amounRead more -
![Why an Attorney Is Important When Filing for Bankruptcy]()
Why an Attorney Is Important When Filing for Bankruptcy
We understand that the decision to file for bankruptcy is often a difficult one, fraught with stress and uncertainty. It's not just about the money; it's about the impact on yourRead more -
![Will Bankruptcy Affect My Immigration Status or That of a Relative]()
Will Bankruptcy Affect My Immigration Status or That of a Relative
At EH Law Group, we understand that your financial well-being is a priority in your life. We also know that filing for bankruptcy is not a decision you take lightly, and the procRead more -
![Will Bankruptcy Discharge My Tax Debt?]()
Will Bankruptcy Discharge My Tax Debt?
We often hear from individuals facing financial distress and overwhelming debts, wondering if bankruptcy can discharge their tax debt. It's a common concern and one we're going to eRead more -
![Will I Lose My Retirement Accounts if I File for Bankruptcy?]()
Will I Lose My Retirement Accounts if I File for Bankruptcy?
The thought of filing for bankruptcy can be unsettling, to say the least. It's a decision that carries significant weight, and it's natural to worry about the potential impact on yoRead more -
![Understanding Homeowner Liability When Hosting Holiday Parties]()
Understanding Homeowner Liability When Hosting Holiday Parties
Many homeowners enjoy hosting holiday gatherings with friends and family, but few consider the risks that come with it. While parties are meant to be fun, they can bring unintended consequences if somRead more -
![Using Bankruptcy to Handle Large Tax Debts]()
Using Bankruptcy to Handle Large Tax Debts
If you have a large tax debt coming up, bankruptcy could be an option to help manage and pay it off. Many people are unaware that certain types of bankruptcy may be used to discharge federal tax debRead more -
![Essential Terminology for New Bankruptcy Clients]()
Essential Terminology for New Bankruptcy Clients
Facing bankruptcy can be overwhelming and intimidating, especially if you're unfamiliar with the process. However, understanding bankruptcy terminology can empower you, helping you to navigate your prRead more
