Summary: Medical debt counts as unsecured debt, meaning it can often be wiped out through bankruptcy. Chapter 7 typically erases medical bills entirely if the filer qualifies, while Chapter 13 allows repayment over time before discharge. Reviewing all medical and…
Summary: Retirement accounts like 401(k)s and most IRAs are largely protected in bankruptcy, with key limits and exceptions. Withdrawals or inherited IRAs can lose that protection if not handled properly. Choosing the right exemption system and maintaining clean records is…
When creditors close in, the instinct to shield what’s yours kicks in fast. You start searching for anything that sounds like protection. Trusts? Maybe. Bankruptcy? Possibly. Before jumping into either, you need clarity from a professional. California has rules, and…
The word “trustee” shows up in legal documents all the time. For the uninitiated, it may seem abstract, like a vague fiduciary role mentioned in estate plans or financial documents. However, when someone close dies and they’ve been assigned as…
Debt has a way of turning the calendar into a scoreboard. Every month feels like another loss. When the balances won’t budge and the interest eats your income alive, bankruptcy isn’t failure—it’s strategy. Filing under the right chapter means protecting…
Losing someone close to you comes with emotional weight that can make even the smallest legal task feel overwhelming. But when that person leaves behind a home, bank account, or other property in their name, you may also need to…
When bills pile up faster than you can pay them, bankruptcy can offer a fresh start. But before wiping the slate clean through Chapter 7 bankruptcy, there’s one major hurdle most people need to clear: the means test. This process…
Being a landlord in California comes with more than collecting rent and maintaining property—it includes strict legal requirements and disclosure laws that must be followed before a tenant even signs a lease. Whether you’re renting out a single-family home or…
Planning for the future means making decisions that will protect your loved ones and your assets. Trusts are an essential tool in estate planning, providing varying levels of control, tax benefits, and protection depending on the type you choose. Understanding…
Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are designed to provide financial support to Americans who are unable to work due to certain conditions. SSDI offers assistance to individuals with disabilities who have worked and paid into…