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Posts Tagged ‘bankruptcy law’

Student Loans: From Cap Toss to Capital Drain!

Wednesday, April 13th, 2011

Can you file for bankruptcy and rid yourself of those painful student loans? Many of us could only dream of having that freedom.

Unfortunately, under Federal Bankruptcy laws, student loans are usually non-dischargeable. This means that although you may be able to discharge most of your unsecured debts, student loans are not one of them.  In Chapter 7, Chapter 11, and Chapter 13 bankruptcy cases, the only time a student loan may be considered dischargeable is if it causes the debtor “undue hardships,” which is often difficult to prove. If you have lost the ability to work due to disability and are therefore unable to use your acquired education, you may qualify.

Contact Doan Law Firm for more information and the specific answer pertaining to your case.

What if I don’t qualify for bankruptcy?

Wednesday, October 27th, 2010

Bankruptcy laws are very specific and there are some people in need of relief that don’t fall into the parameters.  They may have too much cash, have received an inheritance or have too much equity in a home but at the same time have overwhelming business or personal debts.

Doan Law Firm can help those clients negotiate their debt down to pennies on the dollar.  We have a team of professional negotiators able to whittle down the debt to the lowest possible amount.  In addition, our negotiators have a special inducement for the creditors – we are California’s largest family of bankruptcy attorneys and we stand ready to file a bankruptcy in which the creditor will receive nothing.  Pennies on the dollar today is much better than nothing tomorrow.  Even the most thick-headed creditor understands that new math.

My Stuff

Friday, September 24th, 2010

A common misperception is that when you file bankruptcy you lose all your “stuff”; house, cars, motorcycle, RV, jewelry, the dog.  It’s simply not true.  Each bankruptcy filer is entitled to exemptions; categories of items and dollar amounts you are permitted to keep.  The details are based on your state of residence.  Exemptions cover home equity, vehicles, tools, retirement funds and in many instances there is a wild card you can use to protect anything you desire.  Personal priorities and strategy play a part.  In most bankruptcy cases, the filer gives up nothing.  In your free consultation with Doan Law Firm, we look at your specific situation and the effect of bankruptcy on your “stuff”.

Creditor Abuse Prevention, part of the Doan Difference TM

Thursday, July 29th, 2010

A vast majority of our clients are unlawfully harassed by creditors in violation of federal law.  The most common violations are:

  • Repeated calling
  • Using abusive language
  • Calling neighbors & family
  • Calling at work
  • Calling early in the morning or late at night
  • Threatening legal action to intimidate
  • Continuing to call after represented by counsel
  • Continuing to call after being asked to stop

We take this unlawful conduct very seriously.  As part of The Doan DifferenceTM, we heavily pursue creditors who violate the RFDCPA/FDCPA, the state and federal laws protecting consumers from debt collectors.

We prepare a letter to all your creditors informing them that we represent you.  This letter also puts them on notice that we expect them to abide by the law.  Most creditors will comply which means they will no longer call you, your work or your friends and family.  We pursue any creditors that continue to violate the law.

Over 50% of our clients that have had creditors violate the law recovered their cost of filing bankruptcy.  A law-violating creditor paying for a bankruptcy is sweet irony.  Many clients receive a settlement to help them with their “fresh start”.  We take all cases on a contingency fee.  You pay only a percentage of what is recovered.

We treat our clients like family.  Since we wouldn’t let our mothers be harassed by creditors, we’ll make sure you aren’t either.

The G20 Tackles Global Financial Crisis – You Can Tackle Yours

Wednesday, July 14th, 2010

One of the major themes of the recent G20 held in Toronto, Canada was the worldwide financial crisis.  The G20 endorsed the goal of the richest nations, including the US, of cutting their deficits in half within 3 years.

In their closing statement, the G20 leaders recognized that serious challenges remain in the world’s economic recovery.  The leaders said that growth is occurring, but that recovery is “uneven and fragile,” and unemployment in many countries remains at unacceptable levels.  The G20 leaders said to sustain recovery, nations must follow existing stimulus plans and work to create conditions for “robust private demand”.

The parallels between the global financial crisis and personal financial crisis’ are clear.  At a meeting around the dining room table, we acknowledge we’re in crisis.  Cutting our deficits would change our entire world and would restore peace to our lives and our families.  We can see a faint light at the end of the tunnel.

The good news is that we have one tool available that the G20 nations don’t – bankruptcy.  Our family can receive a fresh start.  We can erase past choices and make new ones.  We can take the wisdom we’ve acquired and put ourselves in the best position to exceed this year and beyond.

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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