Every month you make minimum payments and make no headway. You want to retire but can’t because you owe too much on credit cards. You used to be able to afford to make payments on your car and all of your credit cards but something happened like a reduction of hours at work, or a Read more about I owe too much money and can’t pay[…]
If you own a home and do not have a trust you are going to make your heirs/beneficiaries open a probate case when you die. Probate is costly and depending on the value of your estate can cost thousands of dollars and take months to complete. Having a Revocable Trust prepared is a reasonably priced Read more about Estate Planning before you need it[…]
When deciding if a trust is right for you or if you want to just add your kids onto your deed as joint tenants you need to answer a couple of questions. First, has your home gone up in value since you purchased it? Second, do your adult children live in the home? Third, if Read more about Should I have a Trust drafted or just put my kids on the deed to my house?[…]
Chapter 7 bankruptcy is a powerful tool to use when you have overwhelming credit card debt, medical bills, repossessions, eviction judgment, qualifying taxes, lawsuit judgments or are being garnished by a creditor or levied by the IRS or State. If you have some of those but can afford your monthly payments and can see a Read more about Should I file for Bankruptcy now or wait?[…]
Taxes that qualify can be discharged in a Chapter 7 Bankruptcy. To properly handle an issue involving taxes to be discharged it is necessary to order the transcripts of account from the IRS. The transcripts tell when the tax return was filed, whether there were any additional assessments and whether an extension was filed. The Read more about Getting Taxes Discharged in Bankruptcy[…]
There are times when we get into financial situations we cannot afford to get out of and we need to consider whether bankruptcy is the best option to get back on track. I have been representing clients filing for bankruptcy protection in Riverside County since 2010 and have been an attorney in California since 1991. Read more about Is it time to file bankruptcy? Not enough money to pay creditors and they are threatening to sue or are actually garnishing your wages?[…]
Traffic school is available to California Driver’s who receive a ticket and have not been to traffic school in 18 months. Traffic school is not available for people travelling over 20 MPH above the posted speed limit, or who are commercial driver’s (unless in passenger vehicle). Riverside County has started a new cost saving measure Read more about Is It Worth The Time and Money To Fight Traffic Ticket With An Attorney?[…]
People come into my office every week with a stack of unopened letters from the IRS. If those are fresh letters it is not a big problem. But, I see people with months of unopened letters. The IRS in almost all situations tells you in advance what they are going to do before doing it. Read more about Open Your IRS and FTB Mail — Not Having Enough Money To Pay Not Good Excuse[…]
In California, same sex couples who were married or Registered Domestic Partners could file married filing joint tax returns going back to 2006. The IRS, following 1996 Federal DOMA, would not allow same sex couples to recognize their relationships at all until a 2012 IRS ruling allowing them to go back to 2008 and amend Read more about US Supreme Court Rulings on DOMA and Prop 8 Time to Amend Same Sex Couples Tax Returns[…]