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Archive for 2010

Ask Doan Law Firm: How Will Bankruptcy Affect My Credit?

Wednesday, December 15th, 2010

For the bulk of people contemplating bankruptcy, their credit has already been severely damaged.  Each creditor reporting negatively every month takes a heavy toll on a credit score.  For clients whose credit score is still standing, they’ve been engaging in expensive juggling that takes a personal toll.

Bankruptcy stops the constant negative reporting so the positive ones can take an effect.  So while it has a dramatic effect, it allows credit to recover.

Once your bankruptcy is discharged, you will immediately be offered low balance secured credit cards.  Using those cards will begin to rack up positive points on your credit.  Also helpful are payments on any house or car you keep through bankruptcy.

After bankruptcy your credit will recover and build much more quickly than when you were just starting out.  FHA regulations permit lending two years after a bankruptcy.  With very little effort, your credit will recover quickly.

“Months of Anxiety Ended in a Brief Five Minutes”

Monday, December 13th, 2010

Not to blow our own horn, but we receive accolades from clients on an almost daily basis.  Client feedback is extremely important to us and a recent letter says it all:

“Dear Sara and Tom,

Thank you so much for your guidance, assistance, and patience through this Bankruptcy process.  I was stunned to discover that months of anxiety ended in a brief five minutes.  You are both deeply appreciated.”

Doan Law Firm Offering Free Bankruptcy Legal Advice and Services to Local Residents in Trouble This Holiday Season

Thursday, December 9th, 2010

In the true spirit of Christmas giving, Doan Law Firm, California’s largest family of attorneys, is making a generous offer to its most financially distressed neighbors; free bankruptcy consultations to residents of Orange County, LA County, and the Inland Empire through the end of the year.

In addition to the free consultations, from today through the end of the year, Doan Law Firm will provide complete legal services on a pro-bono basis (free-of-charge) to the first 50 qualified Chapter 7 applicants. Applicants must demonstrate their need for pro-bono services by meeting the qualifications found at www.DoanLawFirm.com/bk_proBono.php.

In an open letter to the Bankruptcy Bar, the United States Bankruptcy Court conveyed that the organizations currently assisting low-income people in bankruptcy are seeing hundreds of families on the brink of foreclosure or in other economic distress. The Court underscored that the number of newly homeless families contacting these groups has also risen and that even a brief consultation with an attorney can make a big difference to a pro se (self-representation) party. It further said that attorney assistance greatly helps the court and other litigants.

For the second year in a row, Greg Doan, the family patriarch and founder of this dad-and-five-sons-firm, took the Court’s message as a call to action, saying, “There are many families in our local communities that struggle just to make ends meet. This isn’t a very ‘merry’ time for a lot of moms and dads, and especially those individuals who have been unemployed for much of 2010. Our family decided to do something special this Christmas season and give back to the community in which we grew up, raised our families, and built our business.”

Clients may request a waiver of the Court’s filing fee if they meet the Court’s qualifications. Doan Law Firm will request a fee waiver from the provider of credit counseling services.

Those interested in pursuing this legal support should visit www.DoanLawFirm.com/bk_proBono.php, complete the short intake form, and schedule a consultation between now and the end of the year. There is no limit to the number of free consultations.

“Few things in life are more rewarding than helping members of our community regain control of their lives and experience a fresh financial start,” Doan said. “We know that bad things happen to good people. In this economy, really bad things have happened to a lot of really good people. It’s our vocation and avocation to help them on a financial path to recovery.”

Paid More than $150,000 on a $40,000 Debt

Monday, December 6th, 2010

In a familiar but shocking scenario, Robert Meixner, 62, filed for bankruptcy a year after losing his job as an ambulance-company controller.  He wanted to shed credit-card debt related to a failed flower shop he had been paying on since the late 1980s.  Mr. Meixner said he felt guilty at first, but after calculating how much interest he had paid—more than $150,000 on an original $40,000 debt—he felt much more comfortable.  Mr. Meixner had repaid the original debt almost four full times over and yet still owed more than he originally borrowed!  Outrageous!

Source:  Wall Street Journal article, Rebuilding Lives After Bankruptcy

To A Hammer, Every Problem Looks Like a Nail

Wednesday, December 1st, 2010

Scared to talk with a bankruptcy attorney because you’re sure he/she will recommend bankruptcy whether or not it’s best for you?  It’s like asking an insurance agent if you need more insurance, a Mary Kay rep if you need a make-over or a trainer if you need to pump more iron – the answer will of course be a resounding “yes”!

At the Doan Law Firm, we don’t recommend bankruptcy to every person and their brother.  We take the time to explore all the options and help you formulate a clear go-forward plan that makes the most sense for your situation and goals.  Sit down with us today fear-free.

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    Laguna Hills Bankruptcy
    25401 Cabot Rd.
    Suite 113
    Laguna Hills, CA 92653
    Call 888-362-6529

    Santa Ana Bankruptcy
    930 West Seventeenth St.
    Suite C
    Santa Ana, CA 92706
    Call 714-795-3536

    Corona Bankruptcy
    1411 Rimpau Ave.
    Suite 108
    Corona, CA 92879
    Call 909-708-4597

    Moreno Valley Bankruptcy
    24490 Sunnymead Blvd.
    Suite 101
    Moreno Valley, CA 92553
    Call 951-579-4756

    Watsonville Bankruptcy
    444 Airport Blvd.
    Suite 109
    Watsonville, CA 95076
    Call 888-362-6529

    Oceanside Bankruptcy
    1930 S Coast Hwy
    Suite 206
    Oceanside, CA 92054
    Call 760-450-3333

    Chula Vista Bankruptcy
    333 H Street
    Suite 5000
    Chula Vista, CA 91910
    Call 619-500-6535

    Escondido Bankruptcy
    320 East 2nd Ave.
    Suite 108
    Escondido, CA 92025
    Call 760-746-4476

    La Mesa Bankruptcy
    4817 Palm Ave.
    Suite I
    La Mesa, CA 91942
    Call 619-462-362

    San Diego Bankruptcy
    185 West F St
    Suite 100
    San Diego, CA 92101
    Call 619-234-3626