Debt Consolidation or Bankruptcy? What is the real difference between debt consolidation and bankruptcy?  They both affect your credit score in a negative manner, which is the correct choice when a person can’t afford to pay their credit card debts …

Should Debt Payments be Suspended Read More »

How to manage if mortgage or rent can’t be paid while shelter in place order is in effect The Shelter in Place Orders and the coronavirus pandemic are causing serious financial conditions for people living in Santa Cruz, San Jose, …

How to manage your mortgage or rent Read More »

The President signed into law the Coronavirus Aid Relief, and Economic Security Act (“CARES Act”) on March 27, 2020.  Bankruptcy is Federal Law and the Federal Government added some provisions to the Cares Act to help people in Bankruptcy that …

Corona virus Spurs Changes to the Bankruptcy Code Read More »

By Brette L. Evans on April 1, 2020 The Shelter in Place orders for San Jose, Santa Cruz and the whole Bay Area has caused many people to be laid off.  With loss of jobs and businesses closing, people have …

COVID-19 and Bankruptcy Read More »