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Posts Tagged ‘Southern California Chapter 7’

Your Credit Score: When to Stop Fighting the Rapids

Tuesday, May 24th, 2011

“But won’t bankruptcy destroy my credit?!” We have heard it time and time again and are sure you have had that thought once or twice, especially if you are contemplating filing. The truth is bankruptcy actually acts as a repair for your credit.

Think about it, if you are having thoughts of filing bankruptcy, you probably aren’t in the best of financial situations at the moment anyways. The piling of bills and never ending debt aren’t looking so good on your credit report. If you’re trying to repair your credit score without bankruptcy, it may be like trying to swim up a white water rapid. No matter how hard you swim, the waves are too strong and will only push you back.

All of your bills and large amount of debt will keep pushing you back from achieving the credit score you want. Instead of fighting the rapids, you should think of exiting the river and walking up the stream.

With Bankruptcy, you discharge all of your stressful debt and are given a fresh start. Yes, your credit score will decrease when you initially file, but think of how easy it will be to reestablish an excellent credit score without having all of the baggage on you. You can walk up that river with ease; nothing will push or hold you back.

You can achieve that credit score you once had or always dreamed of once you rid yourself of everything that is holding you back and keeping you from what you financially desire.

Bankruptcy…a ‘Patriotic’ Solution? Part 4: HEALTH AND FAMILY CONCERNS

Friday, May 6th, 2011

Financial concerns are the leading cause of stress in America. In addition to being downright un-fun, financial stress causes a gamut of negative consequences including sleeplessness, anxiety, frustration, depression and hopelessness, affecting every aspect of our lives, especially work and family.

Unhealthy Americans make for an unhealthy America, both physically and financially. Compare the cost of a healthy lifestyle to the ramifications of major illnesses. Finances follow suit. If eliminating toxic debt can restore financial health to the individual, and collectively to the nation, then filing bankruptcy actually becomes an act of patriotism, and nothing to be ashamed of.

If you were suffering from a life-threatening disease, you would find the best, most experienced physician available. For your financial health, there is Doan Law Firm, considered among the best in the nation, having helped more than 25,000 people remove their toxic debt and renew their financial health.

Healthy families make up a healthy, productive society and bankruptcy can be an essential element of that equation. Doan Law Firm is California’s Largest Family of Attorneys and helps families every day improve their financial health.

To read the full article click here

Contest Winners: They “like” our Facebook pages, but they love their new IPads!

Wednesday, April 20th, 2011

Throughout the months of February and March we hosted a contest for our Facebook pages. The participants were simply asked to watch either our bankruptcy or tax services video, fill out the contact form, and like our facebook page. Although all of our contestants won free education on bankruptcy and tax services, there could only be two grand prize winners. Kyle O’Kelly and Beatriz Ramirez both won 16GB Apple Ipads! Congratulations!

Beatriz Ramirez with Doan Law Firm Marketing Director Hank Evers

Kyle O'Kelly with Doan Law Firm Marketing Director Hank Evers

Number of Bankruptcy Filings Jumps

Monday, October 25th, 2010

The Orange County Register recently reported bankruptcy filings are at their highest rate since October 2005.  Some of you might recognize 2005 as the year massive changes were instituted in the bankruptcy code and the world was beating a path to the bankruptcy court.  As the economic fall-out continues, filings are now at record levels. Bankruptcy filings have increased:

Orange County                                                                 37.2%

Los Angeles County                                                        57.5%

Riverside/San Bernardino County                             32.8%

While these numbers are staggering, they do represent a large number of people taking their financial future into their own hands, gaining a fresh start and a new life without toxic debt.

Sacramento’s Band-Aid

Monday, October 18th, 2010

The state of California has been asleep at the wheel when it comes to dealing with the economic crisis.  It’s understandable since the federal government is snoring in its soup, but Sacramento made a tiny step for mankind this month with SB 931.

SB 931 provides that in a short sale situation, first mortgages cannot later pursue the homeowner for a deficiency.  Wait a minute you ask, isn’t that the whole idea behind a short sale?  Yes, you are correct, but banks have been known to include language in the short sale documents that allows them to resurrect the debt at a later date.  SB 931 lets sleeping short sales lie.

It’s truly a tiny step since the bulk of the issues we see at Doan Law Firm are second mortgages, but it will give great relief and comfort to some former homeowners.

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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