Credit After Bankruptcy discharge: study A study from LendingTree says that people can have higher credit after bankruptcy discharge than they did prior. It says that almost half can qualify to buy a house just one year later. Further, it said almost two-thirds would have decent credit to finance a home or car two years […]Read more
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Credit Card Hangover
If you had too much fun in December, now that it's January you might have a credit card hangover. Give us a call and let's use 2019 to get you a fresh start with no debt!
Medical Bankruptcy, and were Medical Bankruptcies Ever that Common Years ago, there was all the talk about how “half” of all bankruptcies were due to medical bankruptcy. That is, the only reason people were filing bankruptcy was due to their health care expenses and medical bills. That never quite made sense to this Santa Clarita […]Read more
Need for Student Loan Reform A long time ago, in the days of Charles Dickens and chimney sweeps, people were jailed until they satisfied their debts. These debtors’ prisons resulted in a Catch-22. You can’t get out of jail until you paid your debts. And you can’t earn money to pay your debts until you […]Read more
Nomination is Humbling There’s no hope of actually winning, but we learned last week we were nominated for 2018 Best Attorney in the Antelope Valley. Every year the Antelope Valley Press, the largest paper in Palmdale, puts out a “Best of” compilation of various specialties. This makes sense when they crown a best pizza, or best […]Read more
What’s In Your Wallet: Make a Budget Know What You Spend As a bankruptcy attorney that specializes in consumer debt, I see a lot of people’s personal finances during the helpful consultation. A common problem is that they have no idea what they spend each month and don’t realize they’re often spending more than they […]Read more
Chapter 13 Bankruptcy Chapter 13 bankruptcy is a repayment plan, like debt consolidation, but it fixes all the problems. You don’t want to repay debt, but sometimes you have to. Chapter 13 bankruptcy is when you pay credit debt back, freezing interest, and with peace of mind knowing the credit cards can’t sue you. You don’t […]Read more
How to Handle Extra Money Even if you have a budget, you need to know what to do with the extra money. Even if you budget and have extra, do you save your money? Or listen to the sweet siren song of the culture: “Take it home today and make no payments for one whole […]Read more
Pay Yourself First A plan for saving money for your own rainy day fund Pay yourself first. Maybe you’ve heard this before on the radio show of a financial guru. What does it mean? It’s Easy to Borrow Every Christmas, with people at the mall for shopping and gift-buying, remember that today’s joyous gifts will […]Read more
How Your Kids Can Avoid Being in my Office Financial Tips for Kids Hale Andrew Antico, Esq. Life happens. While no one ever plans to file bankruptcy, it’s good to know that it’s there as a safety net. However, there are steps many people can take now to avoid needing my services later. With that […]Read more
Breaking Up? You Could Go Broke How Ending a Relationship Could Lead to Financial Problems by Hale Andrew Antico, Esq. Divorce and bankruptcy go together. It’s not unusual for a couple that’s splitting up to also divorce their debt. Firstly, once we get married, we are at the point where actually need two incomes to […]Read more