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Posts Tagged ‘Initial Consultation’

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”.

A Real DLF Client

Wednesday, September 22nd, 2010

This is the start of series of giving you a glimpse into the lives of real DLF clients.  These are not actors, but real people facing real life and receiving real help from DLF and the US Bankruptcy Court. *

Today I’ll introduce Judy.  She’s a single woman that’s been in the hospitality industry her entire life and she’s now in her 50s.  Judy’s been running restaurants and cafes inside hotels in Southern California for over 20 years, but she hails from South Carolina, where her aging mother still lives.  It’s been a rough couple of years for her as the economy has seen many people cutting back on their hotel stays and the attached food service.   Although she works 60+ hours in the high season, with little work available in the low season, she’s not able to weather it and has incurred debt.

Judy recently received the call we all dread.  Her mother in South Carolina is failing in mind and body.  Judy is desperately needed back home to care for her mother.  She’s more than happy to go, but a look at her finances revealed what Judy already knew, she needs to keep the hamster wheel turning to have a chance of servicing the credit card debt she’s accumulated.  Judy can’t miss more than a few days of work or the house of cards will collapse.

What Judy discovered in our consultation was that she could discharge her credit card debt in a Chapter 7 bankruptcy.  Despite her long hours at work, when we look at her income over the last 6 months, she’s below the median in the state of California and can qualify for Chapter 7 on that basis.  Her debt is solely dischargeable credit card debt so she will receive a complete fresh start that will enable her to move back to South Carolina, find a new job and care for her mother.

* Names and details have been changed to maintain attorney client confidentiality.

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    Suite 113
    Laguna Hills, CA 92653
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    Santa Ana, CA 92706
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    Corona, CA 92879
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    Moreno Valley, CA 92553
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    Oceanside, CA 92054
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    Chula Vista, CA 91910
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    Escondido, CA 92025
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    Suite I
    La Mesa, CA 91942
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    San Diego, CA 92101
    Call 619-234-3626