Thomas F. Miles, Attorney and Counselor at Law
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October 2013 Archives

Personal bankruptcy a good choice in California

Some readers in California may be struggling with the decision to file for a personal bankruptcy. There is no reason to have such stress, says one famed television commentator. In fact, says Suze Orman, a personal bankruptcy has many benefits that make it a good choice for certain people.

California personal bankruptcy can lead to debt relief

In California, when people find that they are unable to repay the debts that they owe, many turn to the filing of a personal bankruptcy. Such personal bankruptcy filings often end in a relatively quick time frame and result in the discharge of debts. However, this has not been the case in one recent matter that may be of interest to our readers.

Unmanageable debt and credit card charge-offs in California

Lenders tend to classify unpaid credit card debt in several different ways. For example, when a California resident has unmanageable debt and is unable to pay it off for a long period of time, credit card companies may categorize it as a charge-off. Charged-off credit card debt is considered to be irretrievable and uncollectable by credit card companies.

Personal bankruptcy in California can mean foreclosure help

The real estate crisis that hit California over the past few years caused many people to have trouble making their mortgage payments. For some, an option to remedy this problem was to contact their lender to seek a modification. For others, a personal bankruptcy offered a chance to relieve some of the stress caused by their inability to pay.

In California, a personal bankruptcy can spell financial relief

The change that can happen to a credit rating during times of financial stress is a concern to many people in California. In fact, for those considering the filing of a personal bankruptcy, it is often one of the top things that they worry about. However, the good news is that a credit rating can be improved relatively quickly by taking a few steps, one recent report notes.


Thomas F. Miles, Attorney and Counselor at Law
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